Protects employers against legal liabilities arising from the death or bodily injury of employees during the course of their employment — in full compliance with the Workmen's Compensation Decree of 1987.
Employers' Liability Insurance protects companies against legal liabilities arising from the death or bodily injury of employees during the course of their employment. When a worker is injured, killed, or disabled on the job, the employer can face substantial compensation claims, legal defence costs, and court awards — this policy covers all of it.
Statutory Basis: Cover is written in full accordance with the Workmen's Compensation Decree of 1987, ensuring complete statutory compliance for all Nigerian employers — mandatory for organisations with five or more employees.
Three core areas of protection ensuring your business meets its legal obligations and financial responsibilities when employees are harmed in the course of work.
Covers all legal compensation payable to an employee or their dependants following death or bodily injury sustained during the course of employment at the workplace.
Extends the standard policy to cover accidents occurring while the employee is travelling directly to or from their place of work on any working day — bridging the gap from home to site.
Covers legal representation costs during employee compensation proceedings and extends cover to workers who do not formally qualify as "workmen" under the strict WCD definition.
Employers' Liability cover extends to all categories of worker whose injury or death could give rise to a legal liability for the employer under Nigerian law.
Production-line staff, machine operators, site labourers, and maintenance workers in industrial, manufacturing, and construction environments
Delivery drivers, field sales reps, dispatch riders, and any employee whose work requires regular travel between locations on behalf of the employer
Administrative, accounting, and clerical employees who may not qualify as "workmen" under the Decree but are still exposed to workplace injury risks
Fixed-term, temporary, and contract staff engaged through the employer for specific projects or periods, including those on agency arrangements
A clear understanding of the policy boundaries ensures you select the right limit and structure for your workforce size and industry risk.
The journey extension covers accidents occurring while the employee is travelling directly between home and workplace. Deviations from the direct route — such as stopping for personal errands — may suspend cover for that portion of the journey. Employers should clearly communicate this to all staff and ensure a travel policy is in place.
Prestige Assurance has the employer liability underwriting capacity to keep your organisation legally compliant and financially protected — from the factory floor to the boardroom.