Employer's Liability Insurance
As a Sint Maarten employer, you have a duty of care to your staff. Employer's liability insurance may help protect your business against the financial consequences of employee claims for work-related injuries or illnesses.
What this can help protect
Coverage options may include the following, subject to policy terms and underwriting requirements. Not all claims are automatically covered.
Work-Related Injury Claims
Coverage options may include legal costs and compensation arising from employee claims for work-related injuries, subject to policy terms and underwriting.
Occupational Illness & Disease
May help cover claims arising from occupational illness or disease contracted by employees in the course of their employment, subject to policy definitions.
Legal Defence Costs
Coverage options may include the cost of defending employer's liability claims brought by current or former employees, subject to policy terms.
Compensation Awards
May help cover compensation awards ordered by a court or agreed in settlement of a covered employee claim, subject to policy limits and terms.
Temporary & Contract Workers
Some policies may extend to cover temporary staff and contractors working under your supervision, subject to policy definitions and carrier approval.
Retroactive Cover Options
Coverage options may include retroactive cover for claims arising from past employment periods, subject to carrier requirements and underwriting.
Ready to protect your business?
Speak with a Compass advisor about employer's liability coverage options. Subject to policy terms and underwriting.
Related coverage options
Professional Indemnity Insurance
Coverage options for professional errors and omissions claims.
Learn MorePublic Liability Insurance
Protection against third-party injury and property damage claims.
Learn MoreGroup Health and Group Life
Employee benefit plans for health and life coverage.
Learn MoreCoverage availability, limits, exclusions, deductibles, and premiums depend on the carrier, policy wording, and underwriting requirements.