Employer’s liability insurance

April 1400

Employer’s liability insurance

Changes have been made in the employer’s liability insurance and the following text is exchanged between the insurance colleagues, which is apparently correct and is being implemented:

Dear colleagues of the sales network

Hello
informs that the new clauses of the employer’s liability insurance for employees have been notified by the Central Insurance and due to the necessity of its implementation from 02/01/1400, the system of technologists and the proposal form of this field have been modified according to the notified clauses. And from this date, it is forbidden to include any condition in the private conditions of the insurance policy, which means providing coverage beyond the notified items.
There are still some differences of opinion between the members of the Syndicate and Central Insurance regarding the provisions and the implementation procedure, but until the unity of the procedure is established, the following method will be the standard of action:
1. The liability coverage of the main and subcontractors has been removed from the clauses, and if there is a desire to cover their liability, the names, positions and number of their employees should be announced in the executive agents section of the proposal form.
2. Accident coverage of the insured person has been removed, and if the insured wants such coverage, he must purchase an accident insurance policy to cover the accidents that happen to him.
3. The coverage of the insurer’s liability towards the contractor and owner, consulting engineers, supervisors and executives has been removed, and if the insurer wishes to have such coverage, he must purchase a general civil liability insurance policy for this part of his liability.
4. Damage payment coverages without a court decision, the insurer’s responsibility towards the employees of the main and subcontractors, and the insurance coverage of accidents that are not related to the employees’ profession have been removed, and if the conditions stipulated in Regulation No. 98 are met, without the need As supplementary coverage, it is covered in the insurance policy itself.
5. The supplementary coverage for commuting has been removed, and if an accident occurs during commuting for employees, it will not be covered by the insurance policy.
6. The supplemental coverage of unintentional negligence of employees is excluded and will not be covered.
7. The coverage of places related to the workshop has been removed, if the address of the related places outside the workshop is included in the questionnaire form, the accidents that occur in those locations are covered, otherwise, the insurer is not obligated.
8. The supplementary liability coverage of supervising engineer, consultant, designer, and accountant has been removed, and in case of a request to cover such cases, a professional liability insurance policy for building engineers must be purchased.
It is worth mentioning that the term “covered” does not mean that the damage is definitely payable, because whether or not the damage is payable depends on the conditions stipulated in the insurance policy and its annexes.
In addition, after the negotiation of the syndicate with the central insurance, if there is a change in the above-mentioned cases, it will be announced later.

@amirsalimiQ
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This post is written by amirsalimiQ