Employers Liability Insurance
Employers Liability Insurance protects businesses from legal liability in the event an employee files a lawsuit for injury, illness, or damages sustained while performing their duties.
Legal Protection Beyond WIBA
This policy complements WIBA by covering legal costs, court awards, and compensation claims filed by employees for negligence, unsafe work environments, or employer fault.
Why Choose ADT Employers Liability Cover
Extra Legal Shield for Employers
Is Employers Liability the same as WIBA?
No, it covers legal liability, while WIBA compensates without needing fault.
Do I need both WIBA and Employers Liability?
Yes, for full legal and statutory protection.
What’s the typical limit of liability?
Limits vary by policy but are usually set per employee and per event.
Can this cover extend to contractors?
Yes, if contractors are treated as part of your workforce in the policy terms.