Employer’s Liability

Insurance solution for employer’s accountability

Learn more about the risk facing companies today and tomorrow in our KNOWLEDGE & INSIGHTS CENTER


Employer’s Liability is a stand-alone insurance cover that addresses the legal costs that a company may face if they are sued by their employees. An employer may be legally liable to provide expenses to his workers for any personal injury, sickness or death by accident arising out of and during the course of employment. That’s why it’s important that businesses carry insurance that will cover them against these claims.

Product highlights

Expertise in casualty field

AIG is a world-recognized leader in both primary and excess levels of Employer's Liability insurance, particularly for clients with sustainable risk profiles and high standards of quality. The expertise of our team means we have a broad appetite for business types – and the ability to create solutions appropriate to the nature of the risk, size, geographical location, and company structure.

Efficient damage control

Our experience in risk prevention covers a wide range of industries and is supported by international network of technicians. AIG provides access to a network of 500 loss control specialists worldwide with experience in loss prevention, legislation on security, risk management, crisis management, and mitigation.


Broad coverage

Our insurance solutions can extend into other jurisdictions, issuing local policies through AIG offices present worldwide and expertise in international and multinational markets, energy risks and utilities, construction and private finance initiatives (PFI), crisis management, and business markets (large companies and SMEs)

Outstanding claims service

Our dedicated claims specialists are experienced in all types of claims, from smaller express claims through to large and complex ones. We’re an expert and responsive partner even for difficult, challenging, and unusual risks. We also have 9000 claims experts worldwide to quickly respond to and investigate claims made against your local operating companies.

Who is it for?

Employer's Liability insurance covers businesses against the costs of providing expenses employees who are injured in the workplace as a result of the employer’s negligence. It also covers the associated costs like the Insured's legal fees, and the costs of defending the action.


What is covered?

This insurance applies in the event of any employee suffers bodily injury by accident or disease, including death resulting therefrom, arising out of and in the course of employment in the business operations conducted at or from any workplace declared. It is suitable for all companies employing staff, whether these are in the country of base or have people working in overseas locations.

How to make a claim?

When you buy insurance from AIG, you can have confidence that we stand ready to help you recover quickly when the unexpected happens. The claims operation that underpins every AIG policy is one of our greatest strengths, with a strong local claims team backed by our global network of expertise to support you when you face a loss.
For claims associated with Employer’s Liability, please reach out to your insurance broker to assist you. You may also contact us at:
Phone: +63 2 8 878 5456
Email:   phlweserve_CML@aig.com
Click below to learn about the necessary documents needed in order to submit a claim.

The Insured must:

•          Give immediate notice to the Company with full particulars which includes copies of Incident Report, and Investigation Report on the incident.

•           In all instances, never admit nor repudiate liability, negotiate or make any admission, offer promises or payment in connection with any incident or accident or claim without the written prior consent of the Company.

•          Cooperate with the authorized representative of the Company in the conduct of investigation.

•          Allow the Company to have complete control in the conduct of negotiation and settlement of any claim.

•          Refer all letters and communications to the Company without either admitting liability or attempting to repudiate.

Documents to be submitted:

•          A brief written report or affidavit of accident stating the circumstances of the loss including the name of person/s who first discovered the incident and person/s involved;

•          In event of Employee's claim;

o          Incident/security report

o          Complaint/demand letter, if any

o          Medical report/abstract/certificate

o          Doctor’s prescription, hospital or medical service provider’s statement of account, medical invoices / official receipt of payment

o          Additional documents that may be requested as the need arises

In event of third party death claim – in additional to the above-mentioned documents, the following are required:

o          Death certificate

o          Post mortem report

o          Burial permit/certificate

o          Invoices and/or official receipts to support the burial expenses incurred

o          Additional documents that may be requested as the need arises

How claim is settled?

•          Settlements are usually based on the actual cost incurred in the treatment of third party bodily injury or cost of repair/reinstatement of damaged third party property to its original state prior to the incident.

•          Financial loss suffered by a third party following an occurrence, subject to presentation of relevant documents

•          Awards and/or consequential consideration as ordered by the Court, excluding uninsurable award/s.

•          Any award/compensation/settlement agreed by all parties.