Employer's liability insurance

We provide insurance coverage in the event of civil liability of the employing company in connection with damage caused to employees in the course of their official duties due to violations, non-compliance with safe working conditions
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Employer's liability insurance

Protection against risks

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Damage to property

We compensate the costs incurred by the employee in connection with the destruction or damage to property, as well as the costs incurred to restore the violated right
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Harm to health

We compensate for the cost of treatment, lost earnings (or reduction thereof) as a result of disability, and additional costs of health recovery
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Damage to life

We compensate for the lost part of the earnings in case of loss of the breadwinner and funeral expenses
An event is recognized as insured if it occurs:

An event is recognized as insured if it occurs:

Act or omission

The company's action or inaction and the claim by the injured employee occurred during the contract period

Causal connection

There is a causal link between the actions or inaction of the Insured Company and the damage, established by law in court or recognized by the Insured

Insurance territory

The damage is caused in the insurance territory

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Benefits of insurance in INGO

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Reliability

Automatic reinsurance protection from international reinsurers with a reliability rating of at least A- (A.M.Best) / A+ (S&P)
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Experience and compliance

30 years of experience. INGO's insurance terms and conditions comply with general international requirements or the requirements of a specific contract
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Optimal insurance conditions

We offer quality insurance coverage at the best price
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Responsibility
Insured
Features of insurance coverage

Features of insurance coverage

The risks of an insured event must be directly related to the performance of labor activities that are not prohibited by law and which, in accordance with the provisions of civil and labor law, may give rise to claims for compensation for damage to the insured company.

This type of insurance is not a substitute for social insurance or employee accident insurance.

The basis for liability may be:
  • Causing material damage due to violations, failure to maintain safe working conditions for employees
  • General grounds, in accordance with the Civil Code of Ukraine (Articles 22, 23, 1166)
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The level of financial stability of INGO

uaAAifr
outlook - «Evolving»
8.12.2023

Frequently asked questions

In this section, we have collected the most frequently asked questions from our clients. If you do not find the information you are interested in, please use the feedback form.
Frequently asked questions
What is the cost of insurance?

The cost of insurance is calculated individually and depends on the following factors: the scope of coverage, the type of activity of the insured company, the number of employees, the presence of non-resident employees, business trip coverage, and the history of claimed losses.

What factors may affect the revision of insurance terms during the contract period?

Such factors include changes in the degree of risk during the contract period, for example: an increase in the number of individual entrepreneurs by more than 20% of the declared number, an increase in the number of employees, a change in the type of activity of the insured company.

What are the exclusions from insurance coverage?

An exhaustive list of exclusions is determined by the insurance contract on the basis of INGO insurance rules. Exclusions from insurance coverage are:

  • Protection of honor, dignity, moral damage, dissemination of personal information
  • Racial, sexual or other discrimination, unlawful dismissal of employees
  • Occupational diseases, psychological trauma, depression, natural death, suicide
  • Indemnification for damages caused to banknotes, securities, valuables and vehicles belonging to the insured's employees
  • Payments under mandatory types of insurance (social insurance) - Worker Compensation
  • Intentional, criminally punishable actions of responsible persons (managers, department heads) of the insured

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