Employee Work Accident Insurance
What is Employee Work Accident Insurance?
Employers are increasingly responsible for damage resulting from accidents involving employees which at first sight, are not directly related to their work. With this insurance, the employer insures the damage of an employee that he or she has incurred as a result of an accident during working hours or during another activity on behalf of the company, even if this happened during commuting.
Why Employee Work Accident Insurance?
In the context of ‘being a good employer’, judges are increasingly holding employers responsible for damage suffered by employees due to accidents that occur in the workplace, including the loss of income of employees. A company’s general liability insurance policy does not always cover this. The employee work accident insurance is a very affordable gap insurance policy with worldwide coverage that complements a company’s general liability insurance policy.
Who is insured?
Employees of your company (also trainees, volunteers, homeworkers)
Subordinates of the company such as temporary workers, seconded workers, agency workers and on-call workers.
When are you insured?
Employees are insured in the event of an accident for which the employer is not liable. If the employer is liable for the accident, the company’s general liability insurance policy will provide coverage.