Atlantic Insurance Co. Public Ltd
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Employer's Liability Insurance

Employer's Liability Insurance became compulsory by law in 1997. Since then, ATLANTIC is offering a competitive insurance package which protects the insured employer from a host of harmful outcomes. 

Who is this for:

  • Anyone who employs a person for more than 8 hours a week is obliged by law to have such insurance

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What we cover

We cover your legal liability as an employer for the payment of compensation to your employees in connection with death or bodily injury from an accident or occupational disease (as defined in relevant regulations) caused as a result of and during their employment.

The minimum limits of indemnity under the law for which the insurance coverage is provided, are as follows:

  • For each employee €160.000
  • For each event or series of events €3.415.000
  • For each period of insurance €5.125.000


Important Note: The above constitutes a summary of the product features. Full details as to policy covers, conditions and exclusions are contained in Atlantic’s relevant Insurance Policy document.

Competitive Benefits

  • Prompt and fair claims settlement
  • Competitive prices
  • Higher limits of indemnity can be provided upon request
  • Highly personalised service from our experienced personnel in all towns

Atlantic is reinsured with Swiss Re and other A rated reinsurers!

Frequently Asked Questions

  • Q1. Am I obliged by law to insure my liability as an employer?A1. Employer's Liability Insurance is compulsory and failure to comply with the law constitutes a criminal offence. Anyone who employs a person for more than 8 hours a week is obliged to have such insurance. Failure to secure such insurance might expose your business to huge financial loss and even jeopardise its existence. 
  • Q2. I am self-employed. Do I need Employer’s Liability insurance for myself? A2. No, there is no need for such insurance for yourself. In such a case, it is prudent for you to have Personal Accident insurance. You still need Employer's Liability insurance for your employees, if any.
  • Q3. I am the director/owner of the company. Do I need to include myself under the Employer's Liability insurance? A3. Yes, provided that you are not the only employee. 
  • Q4. How is the premium calculated?  A4.  Premium calculation is based on your declaration of estimated annual gross earnings and number of employees categorised by job description/duties. Within 30 days after the expiry date, you must declare the actual annual gross earnings and number of employees per category. Based on the actual data, we will calculate the adjusted premium. If the estimated premium at the beginning of the insurance period was lower, you will be charged with the difference. Conversely, if the estimated premium was higher, we will refund the difference, subject to the minimum premium applicable.
  • Q5. Do I need to inform the insurance company every time a new employee is hired? A5. No, there is no need to inform the Company, however, you need to inform us of major changes to the number of employees, their annual earnings or a new job category.
  • Q6. What shall I do in case of a work accident? A6. You must immediately notify us in writing of any occurrence that may possibly give rise to a claim, giving full details. In addition, every letter, claim, writ, summons and process shall be forwarded to the Company on receipt.

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