Employees and work activities
The employees, locations and work activities to be represented in the programme.
Responsibility & reputation
Workers’ Compensation / Employers’ Liability
Support employees and the employer when work causes injury or illness.
Workers’ Compensation / Employers’ Liability addresses defined employee injury, illness and employer-liability exposures arising from work.
Introduction
What is Workers’ Compensation / Employers’ Liability?
Workers’ Compensation / Employers’ Liability is commonly considered by employers with operational, manual, mobile or project-based workforces. It can address defined employee injury, illness and employer-liability exposures arising from work.
What it protects
What can the policy protect?
The scope of Workers’ Compensation / Employers’ Liability should clearly define the insured interests and the protection required.
Employer responsibilities
The statutory and agreed responsibilities arising from work-related injury or illness.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Injury to a worker or employee
A worker or employee suffers an injury arising from work.
Damage to property
A work-related incident also causes damage to property within the agreed scope.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Real Estate
For owners, developers and operators balancing asset values, tenants, financing and public responsibilities.
Hotels & Hospitality
For public-facing operations where premises, people, service continuity and reputation all matter.
Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Infrastructure
For long-term projects and operating assets involving contractors, financiers and public responsibilities.
Independent liability review
Review Workers’ Compensation / Employers’ Liability with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.