Employer’s Liability Insurance
Protect your business if an employee is injured or falls ill because of their work. Compare employer’s liability cover from leading insurers in Oman, alongside workmen’s compensation.
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- Leading insurers compared
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Get your employer’s liability quote
Tell us about your workforce and one of our advisors will come back with options from leading insurers.
- Cover for work-related injury claims
- Legal costs included
- Works alongside workmen’s compensation
or call +968 7250 0052
Insurance products are offered by Trade Links Insurance Services SPC (Licence no. 47/B) in partnership with leading insurers.
Compare plans from leading employer’s liability insurers
- Al Madina Insurance Company
- Arabia Falcon Insurance
- Orient Insurance Company
- Dhofar Insurance Company
- GIG (AXA) Insurance
- Iran Insurance Company
- Liva Insurance
- Muscat Insurance Company
- Oman Qatar Insurance Company
- Oman United Insurance Company
- Saudi Arabia Insurance Company
- Sukoon (Oman) Insurance
- Takaful Oman
- New India Assurance
What is Employer’s Liability Insurance?
Employer’s liability insurance pays compensation and legal costs if an employee claims that your business caused their injury or illness at work, for example through unsafe equipment or working conditions.
Oman’s labour rules make employers responsible for injuries that happen at work. Workmen’s compensation covers the set benefits, while employer’s liability protects you against wider claims. We help you arrange both so there are no gaps.
Who it’s for
- Construction and engineering contractors
- Manufacturing and industrial businesses
- Hospitality, retail and services companies
- Any employer with staff on site or in the field
Why choose Employer’s Liability Insurance with Trade Links
We help you meet your responsibilities to your staff and protect your business from costly claims.
Get your Employer’s Liability quoteWork injury claims
Cover for claims from employees injured or made ill at work.
Legal costs
Defence costs for covered claims.
All staff covered
Cover for your whole workforce, based on your payroll.
Contract-ready
Certificates for clients and main contractors who ask for proof.
No gaps
Arranged alongside workmen’s compensation and group life.
Claims support
We help you handle incidents and claims from start to finish.
What’s covered
Typical features. Exact cover, limits and exclusions depend on the insurer and the plan you choose.
Usually covered
- Compensation for employees injured at work, where you are liable
- Occupational illness caused by work, where covered
- Legal defence costs
- Claims beyond the workmen’s compensation benefits
- Employees working at client sites, where declared
Usually not covered
- Injuries outside work, unless covered by another policy
- Staff not declared, or wages not declared in full
- Deliberate acts by the employer
- Contractual liabilities you have accepted beyond the law
- Fines and penalties
Frequently asked questions
What is the difference between employer’s liability and workmen’s compensation?
Workmen’s compensation pays set benefits to injured employees. Employer’s liability protects you against wider claims that your business was at fault. Many businesses have both.
Ask an advisorIs it compulsory in Oman?
Employers are responsible for work injuries under Oman’s labour rules, and many clients require proof of cover. We can advise on what your business needs.
Ask an advisorHow is the premium calculated?
Usually on your annual payroll and the type of work your staff do.
Ask an advisorAre subcontractors covered?
Only if they are declared and the policy includes them. Tell us how you use subcontractors and we will check.
Ask an advisorWhat should I do after an accident at work?
Make sure the employee gets treatment, record what happened, report it as required and contact us. We will guide you through the claim.
Ask an advisor