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Employers Liability

As an employer, there is a reponsibility to look after your employees' well-being.
What happens if your workers become ill, get injured or die through work?

What is Employers Liability Insurance?

Employers liability protects businesses from ushering out massive financial compensation for employees who become injured or sick, arising out of and in the course of employment due to negligence or neglecting to take care of their safety. In simple terms, if an employee gets sick or injured because of their work, the company is liable by law to compensate the costs to the employee. Furthermore, it also eases the burden of employees paying their medical bills from their own pocket.

What does Employers Liability Insurance cover?

Employers Liability covers legal costs and compensation for employees who become ill or suffer an injury through work. Generally, it can cover the following types of employees:

  • Full time employees
  • Part time employees
  • Work experience staff
  • Temporary staff and volunteers
  • Self-employed contractors you hire

Is Employers Liability Insurance important?

When you think about the world today, it is very easy to access information. What this means is that news spreads fast and when you apply it to your business, you do not want to be associated with negativity. Hence, if your business directly causes injury or illness to your employees through their work, it can not only be devastating to him or her, but can also hurt your company’s reputation. With employers liability, it can compensate the company enough to prevent further damage and alleviate any financial and reputational damage by taking care of the situation through insurance.

Who needs Employers Liability Insurance?

In Thailand, there is no compulsory regulation requiring employers to purchase this solution. However, in most developed nations, employers liability is compulsory should you have more than one employee running a business. Hence, in our view, we believe that it is better to be safe than sorry and all businesses should have employers liability insurance.

How much does an Employers Liability Insurance policy cost?

There are a number of different factors that impact the cost of an employers liability policy. Below are some of the indicators that insurers uses in determining the price:

  • Number of employees
  • Type of business
  • Claim history
  • Coverage limit


At CHAZ, we understand the delicateness that may unfold during a lawsuit. Trusting our team will simplify the process that you have to go through.

Important Disclosure

The content provided is for informational and educational purposes only. The coverage written may not be applicable to all situations and policies. Terms, conditions and qualifications are also subject to circumstance and supplementary material. For more information, please contact us via the enquiry form below.

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