Employers Liability

As an employer, there is a reponsibility to look after your employees' well-being.
What happens if your workers become ill, get injured or die through work?

What is Employers Liability Insurance?

Employers Liability protects businesses from ushering out massive financial compensation for employees who become injured or sick, arising out of and in the course of employment due to negligence or neglecting to take care of their safety. In simple terms, if an employee gets sick or injured because of their work, the company is liable by law to compensate the costs to the employee.

What does Employers Liability Insurance cover?

Generally, employers liability insurance covers legal costs and compensation, including loss of income and medical fees for employees who become ill or suffer an injury through work. Coverages such dismemberments may be stated in the policy, but other coverages can be tailored to your likening. Typically, in temrs of employees, it can cover the following types:

  • Full time employees
  • Part time employees
  • Interns
  • Temporary staff 
  • Volunteers

How important is Employers Liability Insurance?

When you think about the world today, it is very easy to access information. What this means is that news spreads fast and when you apply it to your business, you do not want to be associated with negativity. Hence, if your business directly causes injury or illness to your employees through their work, it can not only be devastating to him or her, but can also hurt your company’s reputation. With employers liability, Furthermore, the burden of employees paying their medical bills from their own pocket can be eased. Thus, by taking care of this situation through employers liability insurance, it can compensate the company enough to prevent further damage and alleviate any financial and reputational damage.

Who needs Employers Liability Insurance?

In Thailand, there is no compulsory regulation requiring employers to purchase this solution. However, in most developed nations, should there be more than one person running a business, employers liability is compulsory. Hence, in our view, we believe that it is better to be safe than sorry and all businesses should have employers liability insurance.

How much does an Employers Liability Insurance policy cost?

There are a number of different factors that impact the cost of an Employers Liability policy. Below are some of the indicators that insurers uses in determining the price:

  • Number of employees
  • Type of business
  • Claim history
  • Coverage limit


At CHAZ, we understand the delicateness that may unfold during a lawsuit. Trusting our team will simplify the process that you have to go through.

Important Disclosure

The content provided is for informational and educational purposes only. The coverage written may change without notice and may not be applicable to all situations and policies. Terms, conditions and qualifications are also subject to circumstance, supplementary material and underwriting. CHAZ Insurance Brokers Ltd. is not liable for any discrepencies should there be any. For more information, please contact us via the enquiry form below.

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