Employers Liability

The policy covers statutory liability of an employer for the death of or bodily injuries or occupational diseases sustained by workmen arising out of and in the course of employment.

The insurance company agrees to pay:

  1. All sums which the insured is legally liable to pay the employees in respect of personal injury by accident or diseases ‘arising out of and in the course of the employment’
  2. The Insured’s liability arising either under common law or the laws set out in the schedule of the Workmen’s Compensation Act 2000.
  3. Costs or expenses incurred by the insured with the consent of the insurance company, to defend any claims are paid in addition.


Any employer whether as a Principal or contractor engaging “workmen” as defined in Workmen’s Compensation Act 2000 to cover his liability to them under statute and at common law. Employers can cover Employees who do not qualify as “Workmen” under separate tables.


  • Any injury by accident or disease directly attributable to war and nuclear risk
  • Insured’s liability to employees of contactors to the insured
  • Any liability of the insured which attaches by virtue of an agreement but which would not have been attached in the absence of such agreement

Note: Policy details given are indicative, not exhaustive. Please contact your nearest FICO office for further details.

How to Claim

Liability will be proved only when the following conditions are satisfied:

  • Existence of duty of care
  • Breach of this duty
  • Injury suffered by a person or property damaged as a result of that breach:
  1. In case of any event likely to give rise to a liability claim as described above, the insurance company should be informed immediately by phone, email, fax or in writing.
  2. In case any legal notice or summons is received, it should be sent to the insurance company who will have the option of arranging the defense in the case.
  3. The event giving rise to the claim should have occurred during the period of insurance or retroactive period and the claim first made in writing against the insured during the policy period.
  4. The maximum amount payable including defense costs will be the “Any One Accident Limit” selected. The “Any One Year Limit” will get reduced by the amount of claim or indemnity paid for any one accident. Any number of such claims made during the policy period will be covered subject to the total indemnity not exceeding the “Any One Year Limit”.

DO NOT make any admission, offer or promise or payment without written consent of Insurers.

Note: Policy details given are indicative, not exhaustive. Please contact your nearest FICO office for further details.