If a member of your staff is injured or made ill by their work, this covers your liability as the employer and the legal costs that come with it.
Request Quote Lebanon →Tell us how many people you employ and what they do. We will size the cover and flag any roles that need special treatment.
Request a Quote →A workshop, a delivery fleet and an office carry very different risk. The declared occupation on the policy has to reflect reality or the insurer can dispute the claim.
Casual staff, family members helping out and subcontractors are the most common gap we find. If someone works under your direction, they usually need to be on the policy.
Statutory social security and an employers liability policy do different things. We explain where one ends and the other begins rather than letting you assume you are covered twice.
A staff injury claim is a sensitive matter internally. We deal with the insurer and keep the process contained.
They are not the same thing. National Social Security provides statutory benefits; an employers liability policy responds to your legal liability as the employer, including defence costs, which can be substantial on their own. Most employers need both and should understand where each applies.
Two employees can generate a serious injury claim as easily as fifty. The premium scales with payroll and risk, so for a small team it is usually modest — while a single uninsured claim is not.
It depends on how they work. Someone genuinely independent, carrying their own insurance, is not your employee. Someone working under your direction, with your tools, on your schedule, often is — regardless of how they are paid. Tell us how they operate and we will make sure there is no gap.
Reach our Beirut office directly. Advice in Arabic, English or French, and no obligation to proceed.
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