Employer's Liability Insurance

Q: Does Employer Liability Insurance cover any accident or illness my staff has?

Employer Liability coverage is offered for accidents or illnesses for which the employer is responsible for. If it has no legal liability, so there will be no claim for coverage.

Q: How are coverage limits defined?

According to the legislation the limits are: Per employee €160,000 Per case or series of cases €3,415,000 Total limit per insured period €5,125,000 Depending on the nature of the work you can set the coverage limit.

Q: How much coverage do I need for Public Liability?

When deciding on the coverage limit, one must consider the maximum claim that one can make against it. This can be done by taking into account the turnover of the Company. Some businesses, in the event of an extended fire or multiple personal injuries, may have to deal with claims for damages well in excess of that amount.

Q: What is employer indemnity insurance?

Employer's Compensation Insurance protects businesses and business owners for claims from a current or former employee for illness, accident or injury suffered as a result of their work. Trust Insurance Cyprus offers comprehensive employer's liability insurance plans that include coverage for compensation, legal fees and indemnity.

Q: Is employer liability insurance compulsory in Cyprus?

Employers' liability insurance is mandatory in Cyprus. This means that all employers in Cyprus are required by the Law to insure themselves against legal and compensation costs arising from employee claims. Uninsured employers are prosecuted under Cyprus Law and may be charged with imprisonment (up to 12 months) or fines (up to €‎1,500 Euro). This insurance type protects companies against costs relevant to workplace illnesses, injuries, accidents and deaths. It does not cover claims for discrimination, wrongful termination or sexual harassment.

Q: Does employer's protection plan cover contractors?

Self-employed contractors usually are not covered under Employer Liability Insurance. Only contractors employed by a company can be covered by the company's Employer Liability Insurance.

Q: Does employers liability insurance cover volunteers?

Volunteers who got ill or injured through work can be compensated by the organization’s Employer Liability Insurance.

Q: How much does employers liability insurance cost?

The cost of an Employer Liability Insurance plan depends on the insurance provider, particular risks of the work, type of coverage, location, number of employees, limits, payroll, industry, claims history and risk.

Q: Does employers liability insurance cover unfair dismissal?

In Cyprus, a worker who is illegally dismissed after continuous employment for more than 26 weeks is entitled to compensation paid by the employer.

Q: Do I need employer liability coverage?

Employer's liability insurance is required by Law in Cyprus. As an employer, you are liable for the health and safety of your staff while at work. In case of an accident that resulted in an employee being injured or made ill due to the work’s nature or while in the workplace, the employee can raise a legal claim and claims for compensation against their employer.

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Comprehensive Business Protection For Workplace Claims

Protect your business with a comprehensive Employer Liability insurance plan in Cyprus. Trust Insurance offers competitive insurance plans with flexible coverage. No business can succeed in the long term without having the well-being of its employees on its list of priorities. It is very important to protect your employees from unforeseen incidents that may occur during their work. And this is where employer's liability insurance comes in to provide the solution.

That's why you should opt for the best insurance coverage for your professional family, but also for yourself as a business owner. Increased liability limits and coverage even abroad are just some of the benefits you can enjoy with Trust Insurance. By choosing Trust as your insurer, you can rest assured knowing that you have a reliable partner who will support you through every step of the process. Get a quote today.

Why choose Trust for Employer Liability Insurance

Flexible

Option to increase liability premium

Coverage abroad

Coverage abroad for residents in Cyprus

Who Is This Insurance For?

It addresses professionals and companies that employ workers and their insurance is compulsory for the employer, according to the Employer's Liability Insurance Act. It helps employers manage potential financial claims against them, such as medical expenses and lost wages of employees, and also protects the rights of employees who may face significant problems due to work-related accidents.

+357 22 050100

Employer Liability Coverage

Our plan is tailored to protect your company from potential financial risks arising from workplace-related injuries or illnesses. At Trust Insurance, we recognize the paramount importance of ensuring that your employees are well taken care of in the event of unfortunate accidents or health issues during their employment.

It covers your Legal Liability as an Employer for compensating your employees in case of:

Physical Injury caused by an accident
Occupational Disease, defined in relevant regulations that are caused as a result and during their employment
Death

Employer Liability FAQ

Does Employer Liability Insurance cover any accident or illness my staff has?

How are coverage limits defined?

How much coverage do I need for Public Liability?

What is employer indemnity insurance?

Is employer liability insurance compulsory in Cyprus?

Does employer's protection plan cover contractors?

Does employers liability insurance cover volunteers?

How much does employers liability insurance cost?

Does employers liability insurance cover unfair dismissal?

Do I need employer liability coverage?

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