Employers Liability Insurance provides coverage for employers against the financial risk of liability for injury, illness, or death of their employees due to workplace conditions or activities. This insurance helps businesses manage the costs associated with employee claims, ensuring financial stability and legal compliance.

Information Required

To obtain Employers Liability Insurance, insurers typically require the following information:

• Employee Details: Number of employees, job descriptions, and any special working conditions.
• Workplace Safety Measures: Information about safety protocols and risk management practices in place.
• Claims History: Record of any previous claims related to employee injuries or illnesses.
• Company Details: Business operations, industry type, and financial information.

Coverage Details

This policy covers the legal costs and compensation payments that an employer may be required to pay if an employee is injured or becomes ill as a result of their job. It includes coverage for accidents, diseases, and fatalities occurring in the workplace or due to work-related activities. The policy also covers legal expenses incurred in defending against such claims.

Insured Perils

The policy typically covers the following perils that can lead to employee injury or illness:

• Accidents: Injuries sustained due to workplace accidents.
• Occupational Diseases: Illnesses caused by exposure to harmful substances or conditions at work.
• Workplace Violence: Injuries resulting from violence in the workplace.
• Mental Health Issues: Conditions arising from workplace stress or trauma.

Exclusions

While Employers Liability Insurance provides comprehensive coverage, certain exclusions apply. The policy generally does not cover:

• Injuries or illnesses resulting from deliberate misconduct by the employer.
• Claims arising from events that occurred before the policy’s inception.
• Injuries or illnesses not reported within the stipulated time frame.
• Fines or penalties imposed by regulatory authorities.

Benefits

Employers Liability Insurance offers several benefits, including:

• Financial Protection: Covers the cost of compensation and legal fees, reducing the financial burden on the employer.
• Legal Compliance: Helps businesses comply with legal requirements for employee protection.
• Employee Trust: Demonstrates a commitment to employee safety and well-being, fostering a positive work environment.
• Risk Management: Encourages the implementation of safety measures to prevent workplace incidents.

Requirements for Coverage

To obtain coverage, please provide the following:

• Premium Payment
• Fully Completed Proposal Form
• Copy of Identification (ID)
• Copy of Taxpayer Identification Number (TIN) Certificate/Valid NIDA ID

In the Event of a Claim

For assistance with your claim, please contact us at:

• Phone: +255 718 422 229
• Email: claims@bluetickinsurance.com

Minimum Claim Requirements

To process your claim, please provide the following documents:

• TIN Number/Certificate/Valid NIDA ID
• Completed Claim Form
• Any Additional Documents Requested

Ensure that you have all required documents to facilitate a prompt and efficient claims process.