Employers Liability Insurance
Aldagi offers liability insurance for your company as an employer
This policy provides financial protection for the employee and the employer.
Employer’s liability might occur upon request of a company’s employee or a member of their family in the event of a company employee's injury or death. The policy also covers expenses caused by litigation.
The object and subject of the insurance
According to the legislation of Georgia, the object of the employer liability insurance is the civil liability imposed on the employer. The employer is obliged to reimburse for the damage caused to the health or life of the employee during the work process as a result of maiming or other injury.The employer's liability in case of insurance policy will be considered as insurance and will cover the damage caused to the health, life or property of the employee as a result of an accident during the performance of their official duties.
The accident shall be defined as follows:
- Damage to life or health caused by work-related injuries, severe poisoning, heat stroke, falls, explosions, accidents, building demolitions, and other emergencies that clearly indicate an employer's liability.
- Damage or demolition of private property which is caused by fire, explosion, mechanical damage, illegal actions from the third party or / and guilty action which is directly connected to the work process.
Frequently Asked Questions
Answers to the most frequently asked questions
Why do I need business insurance?
Business insurance provides financial protection against unexpected events that could lead to significant financial losses. It helps safeguard your assets, employees, and the continuity of your business operations.
What is professional liability insurance?
Professional liability insurance, also known as errors and omissions (E&O) insurance, protects businesses that provide professional services from claims of negligence or mistakes that result in financial loss for clients.
What is general liability insurance, and why is it important?
General liability insurance provides coverage for third-party bodily injury, property damage, and advertising injury claims. It's essential for protecting your business against common risks and legal liabilities.
How does property insurance protect my business?
Property insurance covers damage or loss to your business property, including buildings, inventory, equipment, and other assets, due to covered events such as fire, theft, or natural disasters.
What factors influence the cost of business insurance?
Factors such as the size of your business, industry, location, coverage limits, deductible amounts, and risk management practices can impact the cost of business insurance.
How do I determine the right insurance coverage for my business?
Assess the specific risks your business faces, its size, industry, and location. Consult with an insurance professional who can help tailor coverage to your needs.
What types of business insurance are available?
Common types of business insurance include general liability, property insurance, business interruption, commercial auto, workers' compensation, professional liability, and cyber insurance. The specific needs of your business will determine the appropriate coverage.
What is business insurance?
Business insurance is a type of coverage that protects businesses from financial losses resulting from various risks, such as property damage, liability claims, and business interruption
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