Employer's Liability Insurance - Astra Insurance Indonesian Company

Understanding from Employer's Liability Insurance

Employer's Liability Insurance guarantee prosecution of employees side when is in pursuance of business activity of his employer (owner of work), where do the employees party have injured body including death.

Difference between Employer's Liability Insurance with Workman's Compensation Insurance

At Employer's Liability Insurance, should be able to be proved that employer side (owner occupation) truly do a negligence, is while at Workman's Compensation Insurance, not necessarily be proved the existence of a the negligence done by employer party (owner of work).

Responsibility object in Employer's Liability Insurance

Responsibility object in this insurance is prosecution of employees side effect of negligence of the insured in doing its business activity.

The risks guaranteed in Employer's Liability Insurance:

The loss emerging as effect prosecution of third party, including costs to do the defense (defense cost).

The risks is not guaranteed in Employer's Liability Insurance:

• Things related to intentional element


• War, terrorism and riot


• Things related to the demand having the character of penalty and penalization


• Product liability including product recall


• Radioactive


• Workman's compensation and employers liability


• Asbestos


• Aircraft and watercraft liability


• Professional liability


• Property in observation element or ownership of the insured

The data that must be given to insure in Employer's Liability Insurance:

• Employees amount, divided into the amount of expatriate employees and amount of national employees


• Risk location


• Totalizing the annual salary, divided into the total of salary in one year expatriate employees and total of salary in one year national employees


• Type work of employees