Do not leave your business exposed

Definition of “Employee”:

• Any person under a contract of service or apprenticeship with the Insured;
• Any of the following persons while working for the Insured in connection with the business:
  • any self-employed providing labour only;
  • any self-employed who is borrowed by or hired to the Insured.

Cover:

All Sum/s which the insured shall become legally liable to pay for compensation in respect of:

• Death or bodily Injury of an employee arising out of and in the course of his employment;
• Claimants costs and expenses;
• Costs and expenses incurred with the Company’s written consent.

Exlusions:

• The Insured’s liability to employees of contractors to the Insured;
• Any liability of the insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement;
• Any sum which the insured would have been entitled to recover from any party but for an agreement between the insured and such party;
• Any liability of the insured to pay compensation to an employee or to the legal representatives or dependents of an employee by virtue of any workmen’s compensation law;
• War, radioactive contamination.