Commercial Property and Liability Packages

Employers Liability Insurance

Covers compensation claims arising from workplace accidents brought by employees or their beneficiaries.

What does this insurance focus on?

Covers compensation claims arising from workplace accidents brought by employees or their beneficiaries. Terms, limits, deductibles and exclusions vary by insurer; the quotation should therefore be assessed as a whole.

✓Core insured risks and policy limits
✓Optional extensions tailored to the risk
✓Deductible, exclusions and service comparison
✓Broker support during quotation and claims

Who is it suitable for?

  • Individuals or businesses seeking this specific protection
  • Clients who want to compare insurer terms

What should be compared?

Compare insured values, benefit limits, deductibles, exclusions, service network, assistance benefits, claims process and renewal terms together. Temin Insurance presents the meaningful differences between insurer offers.

Pre-purchase checklist

Review these points when assessing a quotation

  • State current values for buildings, machinery, fixtures and stock separately.
  • Describe the business activity and production processes accurately.
  • Provide details of fire, alarm, sprinkler and security precautions.
  • Compare deductibles, sublimits, exclusions and coinsurance—not only premium.
  • Check whether business interruption periods and liability limits match the exposure.

Information for your quotation

Information that describes your risk accurately

Tax and company detailsBusiness activityFull address and floor areaBuilding informationMachinery and fixturesStock valuesFire and security measuresClaims history

This is a general preparation list. The insurer may request additional information or documents depending on the risk.

Frequently asked questions

What to know about Employers Liability Insurance

Yes. A tenant can insure its stock, fixtures, improvements and liability interests; the owner’s building interest is assessed separately.

Peak values, declaration-based covers or adjustable stock arrangements may be considered.

No. Employers, product, professional and third-party liabilities may require different terms and limits.

Commercial Property and Liability Packages

Related insurance solutions

→Commercial Property Package Insurance →Fire Insurance →Third-Party Liability Insurance →Professional Indemnity Insurance →Product Liability Insurance