After a workplace accident, the benefits paid by SGK (the Social Security Institution) to the employee or their family often do not cover the full loss. The employer can be sued for the difference, and SGK can also seek recourse from the employer for what it has paid. Employers' Liability insurance takes on the employer's legal liability for these claims within the policy limits.
We review your headcount, line of business and occupational safety practices with you, and discuss whether extensions such as staff shuttle vehicles, business travel or occupational disease are needed. We obtain your quote from Corpus Sigorta and closely follow your file in any lawsuit or recourse process.
What is covered?
- Compensation claims above SGK benefits after a workplace accident
- Compensation claims by dependants if an employee dies
- Recourse actions brought by SGK against the employer
- Court costs
- Legal fees
Optional add-on covers
- Accidents in staff shuttle vehicles
- Business travel
- Cover abroad
- Occupational disease
- Moral damages
What you should know
This is a Corpus Sigorta product; you can get a quote through our agency.
Compensation is paid within the employer's legal liability and up to the limits set in the policy. We plan per-person and per-accident limits with you according to your headcount and the risk profile of your sector.
This insurance does not replace occupational health and safety obligations. Personal accident cover for your staff is also worth considering: personal accident pays the employee regardless of fault, while employers' liability covers the employer's legal liability.
Frequently asked questions
The pensions and benefits paid by SGK may not cover the full compensation the employee or their family can claim. The employer can be sued for the difference, and SGK can also recover its payments from the employer. The policy addresses both risks.
The core cover is based on workplace accidents. Occupational disease can be added as an extension to Corpus Sigorta's product; we assess whether you need it based on your sector.
Moral damages can be added to the policy as an extension. Because such claims are common in workplace accident lawsuits, we always raise this cover at the quotation stage.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.