Employers Liability


The days when employees were reluctant to sue their employers for injuries received on the job are long gone. Anyone employing anyone needs protection against this risk. Such protection is provided by an Employers’ Liability Policy, which gives you an indemnity against legal liability for damages and claimants’ costs and expenses in respect of bodily injury to or death, disease or illness of any employee in your immediate service. The injury, illness etc. must be caused during the Period of Insurance and must arise out of and in the course of employment by you in The Bahamas.


Premiums are based on a percentage of the estimated total earnings for all employees, split between clerical and non-clerical workers. The rate charged depends on the occupational class into which your business falls.


The premium is adjustable at the end of the policy period, when you supply a declaration of the actual wages paid.

No deductible applicable.

It can be seen that commercial general insurance is a complicated matter, and is best handled by a professionally-qualified insurance broker or agent, who will also be there for you in the event of a claim. For further information, please contact one of the insurance companies listed in our Bahamas Directory.


Nothing contained in this article should be construed as altering, amending or adding to any policy of insurance, cover note or binder. For full details of the policy cover, exclusions, restrictions etc., reference should be made to the policy document itself, a specimen of which will be supplied on request. Neither the author of this article nor his employers nor principals accept any responsibility for the accuracy or otherwise of anything contained therein.