Liability Insurance – Vision Insurance SAOG

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Liability Insurance

Liability Insurance

Workmen’s Compensation Policy offers monetary compensation to the employees for the legal responsibility of the employer as per Royal Decree 40/1977 and its subsequent amendments to pay on the event of an injury or death arising out of and in the course of their employment.

Scope of Cover

Death
Permanent Total Disability
Permanent Partial Disability
Salary for the period of absence from work due to occupational injury / illness
Medical Expenses (hospital admission, surgical expenses, cost of medicines etc.)

Liability Insurance

Extensions

24 hours coverage on duty or off duty
Repatriation of injured workman
Repatriation of the deceased remains to the hometown including ambulance charges, preparing mortal remains etc.
Emoloyer’s liability

Exclusions

Insured’s liability to employees of Contractors to the insured
Any employee who is not a workman
Any liability of the Insured under Common Law and/or Sharia Law other than as specified in the schedule
Willful act or omission
Liability under contract or agreement

Underwriting Information Required

Designation/category of employee
Occupation/nature of business
Estimated annual wages

Workmen Compensation – Proposal Form

Public & Product Liability – Proposal Form

Professional Indemnity – Proposal Form (Specified professions)

General Third Party Liability – Proposal Form

Employers Liability – Proposal Form

Professional Indemnity – Proposal Form (Doctors, dentists)

Public & Product Liability – Proposal Form (Product Liability)