Public Liability and Products Liability insurance policies are concerned with protecting an individual or the business against legal liability for acts or omissions causing death, bodily injury or disease to third parties or loss of or damage their properties.
You may incur liabilities in the following ways:
negligence
- nuisance
- trespass
- strict liability
- statutory liability
- under contract
Employers Liability Insurance
The purpose of employer’s liability insurance is to protect employers against claims for compensation in respect of legal liability for death or injury sustained by employees.
Am employer may incur liability for injury to employees in the following ways.
- His or her own personal negligence. This arises only if the employer is an individual.
- Negligence of the employer in failing to use reasonable care and skill in:
- providing suitable and safe plant & machinery
- providing a safe place of work
- providing a safe system of work
- engaging suitable and competent employees
- Negligence of fellow employees. The employer will be vicariously liable if one employee negligently injures a fellow employee.
