Employers Liability Insurance
Employers' Liability Insurance provides financial protection against covered legal liability claims brought by employees for work-related bodily injury, illness or death arising from employer negligence or other insured legal liability.
While WIBA Insurance addresses statutory compensation obligations, Employers' Liability Insurance provides additional protection against specified employee-related legal claims that may arise outside or beyond statutory compensation arrangements.
Get A QuoteKey Benefits Of Employers' Liability Insurance
Legal Liability Protection
Covers eligible compensation arising from insured employee injury or illness claims.
Legal Defence Expenses
May meet eligible legal costs incurred in defending covered claims.
Financial Risk Management
Helps protect business finances from potentially substantial employee-related legal liabilities.
Complementary Protection
Can complement WIBA Insurance by addressing specified additional employer liability exposures.
Business Continuity
Reduces the potential financial disruption caused by covered legal claims.
WIBA Vs Employers' Liability Insurance
Understanding the difference helps employers identify potential protection gaps.
- WIBA Insurance helps employers meet statutory compensation obligations for qualifying occupational injuries and diseases under the Work Injury Benefits Act.
- Employers' Liability Insurance provides additional protection against specified legal liability claims brought by employees, including certain claims arising from alleged employer negligence.
- The two policies address different legal exposures and may be purchased together for broader employee-related protection.
How Employers' Liability Insurance Works
Assess Your Employer Liability Exposure
We review your workforce, business activities, workplace environment and any contractual requirements to assess your legal liability risks.
Select Your Liability Limit
Choose the appropriate indemnity limit based on your workforce size, nature of business, risk profile and contractual obligations.
Policy Issued
Once the premium is paid and the insurer accepts the risk, cover begins for specified employee-related legal liability claims.
Report Claims Promptly
If an employee makes a legal claim, notify the insurer immediately. Do not admit liability or negotiate settlements without the insurer's involvement.
Review Alongside WIBA
We review both WIBA and Employers' Liability policies together at renewal to ensure there are no protection gaps as your business evolves.
Who Needs Employers' Liability Insurance?
Employers Across Sectors
Any organisation that employs workers should consider Employers' Liability Insurance alongside WIBA.
Construction Companies
High-risk environments where employee injury claims may extend beyond statutory compensation.
Manufacturers And Factories
Industrial businesses with significant employee-related risk exposure from machinery and processes.
Logistics And Transport Companies
Cover drivers and warehouse staff whose roles involve physical risk and potential employer negligence claims.
Hotels And Hospitals
Protect against employee claims in environments where workplace hazards exist alongside public-facing operations.
Businesses With Contractual Requirements
Where tenders, contracts or commercial partners require evidence of Employers' Liability Insurance.
Frequently Asked Questions
What is Employers' Liability Insurance?
Employers' Liability Insurance protects businesses against specified legal liability claims arising from employees suffering bodily injury, illness or death in connection with their employment. It helps cover eligible compensation and legal defence costs where the employer is legally liable.
What is the difference between WIBA and Employers' Liability Insurance?
WIBA Insurance helps employers meet statutory compensation obligations for qualifying occupational injuries and diseases. Employers' Liability Insurance provides additional protection against specified legal liability claims brought by employees, including certain claims arising from alleged employer negligence.
Is Employers' Liability Insurance compulsory in Kenya?
Employers' Liability Insurance is not generally a separate universal statutory requirement in the same way as WIBA. However, it may be required under particular contracts, tenders or commercial arrangements.
Who needs Employers' Liability Insurance?
Employers' Liability Insurance is relevant to organisations that employ workers, particularly businesses with significant occupational risks, including construction companies, manufacturers, engineering firms, logistics providers, hotels, hospitals, schools and other organisations.
What does Employers' Liability Insurance cover?
Depending on the policy, it may cover compensation arising from covered employee injury or illness claims, legal defence costs, court-awarded damages or approved settlements within policy limits, and other specified employee-related legal liability exposures.
Does Employers' Liability Insurance cover workplace accidents caused by employer negligence?
Yes, where the employer is legally liable and the circumstances fall within the policy's coverage. For example, an employee who suffers an injury due to alleged unsafe working conditions may pursue a legal claim.
How much does Employers' Liability Insurance cost in Kenya?
Premiums depend on the number of employees, annual wage bill, nature of business, workplace risks, claims history and selected liability limits. Higher-risk activities may attract different premiums from lower-risk office environments.
Can a business purchase Employers' Liability Insurance together with WIBA?
Yes. Many employers arrange both covers to address statutory compensation obligations and additional legal liability exposures. The policies should be reviewed together to understand their respective limits, exclusions and how they respond to claims.
Does Employers' Liability Insurance cover all employee-related claims?
No. It is primarily concerned with specified bodily injury, illness or death-related legal liabilities. Claims involving unfair dismissal, discrimination, unpaid salaries or other employment disputes are generally outside standard Employers' Liability cover.
Does Employers' Liability Insurance cover workplace accidents caused by employer negligence?
Yes, where the employer is legally liable and the circumstances fall within the policy's coverage. For example, an employee who suffers an injury due to alleged unsafe working conditions may pursue a legal claim. The insurer will assess whether the claim falls within the insured liability.
Can a business purchase Employers' Liability Insurance together with WIBA?
Yes. Many employers arrange both covers to address statutory compensation obligations and additional legal liability exposures. The policies should be reviewed together to understand their respective limits, exclusions and how they respond to claims.
Does Employers' Liability Insurance cover all employee-related claims?
No. Employers' Liability Insurance is primarily concerned with specified bodily injury, illness or death-related legal liabilities. Claims involving unfair dismissal, discrimination, unpaid salaries or other employment disputes are generally outside standard Employers' Liability cover unless separately insured under an appropriate policy.
Get An Employers' Liability Insurance Quote
A safe workplace matters, but so does financial protection when unexpected claims arise. Talk to Wysline about combining WIBA and Employers' Liability Insurance for broader protection.
Having WIBA Insurance does not necessarily mean every possible employee-related legal liability is covered. A review of both policies helps identify potential protection gaps. Cover, limits and exclusions are subject to the insurer's policy terms.