Why get employers liability insurance?
This policy indemnifies the insured against being liable to pay damages in respect of death or bodily injury sustained by any employee and occurring during the period of insurance.
The accident must arrive out of and in the course of the injured person’s employment in connection with the insured’s business.
Employers Liability insurance explained
Employers Liability Insurance is a type of business insurance that protects employers against legal and compensation costs if an employee is injured, becomes ill, or dies as a result of their work.
What does it cover?
- Employee Injuries – e.g., a worker gets hurt while operating machinery.
- Work-Related Illnesses – e.g., long-term conditions like hearing loss, respiratory disease, or repetitive strain injury.
- Legal Costs – defense costs if an employee sues the employer.
- Compensation Payments – medical bills, lost wages, and damages awarded to the employee.
Why Choose CIB?
- Access to Multiple Carriers
CIB is not tied to a single insurer – we can shop across a wide range to find policies that fit your specific needs and budget.
- Tailored, Personalized Coverage
Rather than cookie-cutter policies, CIB takes time to understand your situation—whether that’s for your home, business, or auto—so coverage aligns precisely with your needs.
- Advocacy and Claims Support
If you need to file a claim or resolve a dispute, CIB acts as your advocate and guide you through the process.
- Expert Advice and Guidance
Our skilled and experienced team explains complex policy language in plain English and help you navigate coverage options with confidence.
- Ongoing Service and Long-Term Support
This includes regular policy reviews, updates as your needs change, and responsiveness when you need help—rather than a one-time sale.