Workers' Compensation & Employer’s Liability Insurance
Workers' Compensation insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work. Examples of injuries that may be covered by workers' comp include injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.
Workers' Compensation insurance from INSURIA covers:
- Accidental death indemnity
- Partial &/or Total permanent Disablement
- Medical costs
- Daily indemnity
Who needs Workmen Compensation insurance?
Workers' compensation insurance is a mandatory type of insurance required by law in Lebanon according to Labor Law Decree number 136 dated 16/09/1983, employers are liable towards their employees following any work related accident.
Workers' compensation insurance can also protect your business from being sued by employees for workplace conditions that can cause an injury or illness.
Workers' compensation programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment - such as playing football with friends on a day off.
Employer’s Liability extension
Usually, a Workmen Compensation policy is issued as per Decree Law 136. It can be extended, upon the request of the insured, to include an Employer’s Liability cover, up to a certain limit. A rider shall be attached to the policy stating the conditions of the Employer’s Liability cover.
Employer’s Liability extension covers Employer-related liabilities not covered in the Workmen Compensation policy. This can include legal fees and damages for suits such as loss of future earnings, depression, distress, Occupational diseases, losses-occurring into the future, wrongful termination, discrimination, sexual harassment and other alleged violations of employees' legal rights.
