California employee liability insurance Policy

California employee liability insurance Policy 2011 : This insurance is a form of cover which insures against liability for bodily injury or disease sustained by his employees in the course of their employment in that business. This insurance protects an employer against the claims for damages which arise out of the Injuries to employees in course of their work. Under Factor Act, Workmen's Compensation Act and other Act, it is the duty of the employer to prevent personal injury to his employees arising in the course of their employment. So the employer is liable to compensate an employee or his dependents if the worker dies in an occupation or is disabled or injured in the course of his work. This liability of the employer can be covered by taking the insurance policy under Employer's Liability Insurance. The premium payable is Rs. 100 per worker of the total annual pay roll. For this purpose, the employer has to maintain a wages ask which can be inspected by as insurance company. The employer > has to submit the abstract of wages book regularly every year to the ' instance company. lf the workers are working under the subcontracting of an insured employer, the insurance company is not liable to recover any loss. But such risks can be covered on payment of additional premiums. If there arises any accident, the insured must give prompt i notice to the insurance company. lf there is any .dispute in settlement of claim, the dispute is referred to an arbitrator for settlement.