Frequently Asked Questions about Employer’s Liability Insurance

Whom do you consider to be an employee?
An employee is defined as ‘any person under a contract of service or apprenticeship’ with the insured. In detail the category of direct employees includes:

• Labour masters and persons supplied by them
• Persons employed by labour only sub-contractors
• Self employed persons
• Persons hired or borrowed by the insured under an agreement by which the person is deemed to be employed by the insured
• Persons employed in work experience, manpower services or similar schemes.

Apart from the number of employees in a company, what other factors do you consider in order to insure a company?
In order to correctly evaluate the request of the employer, in addition to the number of employees and their payroll, we ask for other information such as:

• the kind/type and area of the business
• details of the activities of the business
• the description of the job of each and every employee
• all the related laws and regulations for the administration and/or maintenance of the building concerned
• machinery used in the workplace
• any policies currently in force
• any past claims and/or accidents and/or fatal accidents, and
• any proposal or renewal that has been rejected by another insurance company or had terms applied.

What job description is considered by GAN DIRECT to be of high risk?
At GAN DIRECT we have divided the nature of professions into 5 main categories.

• General – Office jobs such as clerks
• Light Industry such as door-to-door salesmen
• Heavy Industry such as engineers and technicians
• Rural Industry, Construction Industry
• Furniture manufacturers and any other professions using wood cutting machinery

Do you insure airplane staff?
No, unfortunately we don’t. There are certain professions, usually those of high risk that we do not cover. These include airplane staff, Fire brigadiers, Divers or people involved in under water activities, factories producing explosives or other toxic substances, people employed in mines, window cleaners and so on.

As the employer of the company, am I also covered?
This is up to the employer to decide whether he/she wants to include him/herself in the insurance cover. On the other hand he/she is obliged by the law to insure his/her employees with an employer’s liability insurance. Also, the employer is not obliged to insure employees that work for the business for less than 8 hours per week.

How much do I pay if an employee leaves my company before the end of the contract?
At the beginning of the contract you define the number of employees and provisional payroll amongst other things (see question 1) for which you pay a premium. At the end of the contract you state the actual number of employees, the duration of their cooperation with the company and their actual payroll stating all raises, always during the period of the contract.
Therefore, we will make a calculation and adjust the premium already paid.