Mandatory cover protecting your business if employees are injured or become ill.
Employer's liability cover protects the business when an employee is injured or becomes ill in the course of their work. In South Africa, statutory COIDA cover handles the basics. Employer's liability fills the gaps and handles the claims COIDA can't.
We structure employer's liability alongside group life, disability, and occupational benefits so the business and the employees are both protected when something goes wrong at work.
Injury or death of employees in the course of employment, beyond COIDA statutory limits.
Illness arising from work conditions, from hearing loss to chronic back injury to occupational asthma.
Defence costs for employer-liability claims, often substantial even where the underlying claim fails.
The gap between COIDA payouts and what courts award in common-law damages claims.
Labour brokers' employees, contractors, and sub-contractors where their cover doesn't respond.
Injuries on company premises, at client sites, or during work-related travel.
Anyone who employs staff needs this. The sums at stake in a serious injury claim can exceed what small businesses can absorb.
Construction, manufacturing, logistics, cleaning, and hospitality, where injury frequency is higher and claims are larger.
Lower claim frequency but stress-related and repetitive-strain claims are rising rapidly. Standard cover now often has specific extensions for psychological injury.
We analyse your risk profile in depth (exposures, loss history, contractual obligations, and strategic priorities) so the placement reflects your actual business, not a template.
We structure and negotiate terms across our panel of domestic and international insurers, selecting wordings and limits calibrated to the specific risks identified.
Through the life of the programme we manage renewals, mid-term changes, and claims, acting on your behalf in every conversation with the insurer.
A named advisor will walk through your current cover, flag likely gaps, and outline where the market is pricing competitively.