Employer's Liability Insurance
Protecting Your Business and Your People
Get instant online insurance quotes from leading South African Insurers.
Why Do Employers Need Dedicated Liability Cover?
In South Africa, employers are legally responsible for providing a safe, healthy, and fair working environment. While the government-mandated COIDA (Compensation for Occupational Injuries and Diseases Act) covers basic medical costs and lost wages, it does not protect you from everything.
SimplyCovered helps you bridge the gap between basic compliance and total business protection.
Key Aspects of Employer's Liability in SA
1. COIDA (Mandatory)
Covers workplace injuries and diseases, but has limits on payouts and what's covered.
2. Employer’s Liability (Safety Net)
Covers legal costs and settlements if an employee sues for negligence or incidents not fully covered by COIDA.
3. Employment Practice Liability (EPLI)
Protects against claims of wrongful termination, discrimination, or harassment.
Common Liability Scenarios
Understanding where your risks lie is the first step toward protection.
Negligence
Failure to maintain machinery, lack of safety training, or inadequate protective gear leading to injury.
Workplace Harassment
Sexual harassment or discrimination claims, a major risk reflected in high CCMA case volumes.
Vicarious Liability
You are liable for employees' actions if they occur within the scope of their employment.
Why Choose SimplyCovered?
Fully Digital
No manual forms or waiting for callbacks.
Instant Certificates
Get proof of insurance immediately.
Tailored for SMMEs
Cover that fits your specific industry risk.
24/7 Access
Manage your policy online, anytime.
Frequently Asked Questions
Does COIDA mean I don't need private insurance?
Not necessarily. COIDA provides a "no-fault" payout but doesn't always stop an employee from suing for gross negligence. Employer’s Liability insurance covers those legal fees and settlements.
What is the difference between Public Liability and Employer's Liability?
Public Liability covers injuries to third parties (customers, visitors). Employer’s Liability specifically covers injuries or legal claims made by your own employees.
Is harassment covered under standard liability?
Usually, harassment and discrimination fall under Employment Practice Liability Insurance (EPLI). We recommend this extension if you have a growing team to protect against CCMA-related costs.
How much does it cost?
Premiums are based on your industry, total annual payroll, and claims history. SimplyCovered lets you compare quotes to get the most competitive rate.