Employer’s Liability Insurance: Why It Matters
⏱ 2 min read
After a workplace accident SGK pays the employee — and may then recover that amount from an employer found at fault. The employee or their family may also bring a compensation claim. Employer’s liability insurance responds to both.
Cover
Medical costs, permanent incapacity compensation, loss-of-support compensation and legal costs, within the policy limits.
Choosing a limit
The limit reflects headcount, the hazard class of the work and the likely size of a claim. A low limit forces the company to fund the balance itself after a serious accident.
Health and safety duties
The policy does not replace occupational health and safety obligations. Missing risk assessments, training or protective equipment increases the fault share, and gross negligence may fall outside cover.
Subcontractors
Using subcontractors extends the chain of responsibility. Put the insurance obligation in writing in the contract to avoid disputes.
Who needs it most?
Manufacturing, construction, logistics and field-service businesses first. Office environments carry lower but non-zero risk — a fall on stairs is still a workplace accident.
Frequently asked questions
SGK paid the employee — am I still liable?
Yes. SGK can recover from an at-fault employer, and the employee or family may claim compensation separately.
Is it needed for an office business?
Risk is lower but not zero. Falls and electrical incidents count as workplace accidents in offices too.
Related pages
Insurance advice in Maslak and the surrounding area
“Employer’s Liability Insurance: Why It Matters” is one of the questions we are asked most often by clients in Maslak, the İTÜ Ayazağa campus area and Huzur. For offices along the Maslak–Ayazağa–Seyrantepe line and technology companies near the İTÜ Ayazağa campus we combine commercial package, liability and cyber cover.
Our office is based in Maslak, Istanbul. We meet clients within a short drive — Maslak, the İTÜ Ayazağa campus area and Huzur — or handle everything by phone, e-mail and WhatsApp, in Turkish and English. If you are searching on your phone for an insurance agency nearby, you can simply call +90 540 384 21 41 or see the related service page.
We compare policies from several insurers and explain the differences before you buy. Contact us or call +90 540 384 21 41.
