EMPLOYERS LIABILITY
INSURANCE

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EMPLOYERS LIABILITY INSURANCE

Employer liability insurance covers the employer’s liability in case of an accident or occupational disease in any of his employees, as required by the Compulsory Employee Liability Insurance Laws 1989 to 2001. From the Employer’s Liability Insurance let me underline the word liability, because many people confuse Employers Liability Insurance, with health insurance or accidents that compensate the insured without proof of anybody’s liability. Liability Insurance means that the claimant must prove that the Insured has liability for the damage he has suffered, to be compensated. 

My suggestion is to always pair employers liability insurance with personal accident insurance so in case that the employer has no fault, which means that the employee will be compensated from employer’s liability insurance, at least to collect from personal accident insurance. 

… employers liability insurance pays only if the employee proves that the employer has fault for his accident.

-Savvas Christoforou

Obligatory Limits of cover

The following are the minimum Limits as specified by Cyprus Law:

  • Single Employee Limit per accident: €160.000
  • Limit of Indemnity per incident: €3.417.203
  • Aggregate Limit of Indemnity per period of insurance: € 5.125.804

Clarification
The information above may vary from Insurance Company to Insurance Company. Depending on the Insurance plan we will propose, we will give you all the relevant information required by the legislation so you can make your decision. Ask us today for an offer and, we will choose the most suitable package for your needs and budget.