Insurance
Employers Liability Insurance

What is "Employer's General Civil Liability" insurance?

• Voluntary insurance that provides coverage for the insured's liability as an employer to pay compensation for damages caused to their workers and employees in the event that they suffer an accident at work.

Insurance coverage:

Your liability, as an employer, for damages suffered by your employee and/or employee under an employment contract as a result of an accident at work due to:

• force majeure;
• during or in connection with the performance of the assigned work or any work performed without instruction but in your interest;
• during a break spent at the company, regardless of whether you or another employee or staff member is at fault for its occurrence.
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The coverage includes:

• the amounts that you are legally liable to pay as compensation for material damage, bodily injury or death caused during the term of the insurance to the injured employee or his/her legal heirs for the damages they have suffered, including lost profits, which are a direct and immediate consequence of an insured event that occurred during the term of the insurance;
• reasonable expenses incurred by you to limit the damage, when you have acted with the necessary care in the case, even if your efforts have been unsuccessful;
• legal costs in cases against you in connection with insured events covered by the insurance, provided that we have been involved in the proceedings as a third party intervener, where permitted by law.

Territorial coverage:

Within the territory of the Republic of Bulgaria.

What are my obligations?

Upon conclusion of the contract:

• to answer all questions asked by us upon conclusion of the insurance contract, providing us with accurate, true, and complete information;
• to pay the insurance premium or the first installment thereof, in case of agreed deferred payment.

During the term of the contract:

• take the necessary measures to prevent events that may lead to the occurrence of an insured event covered by the insurance contract;
• to notify us immediately as soon as you become aware of any circumstances that increase the risk and of any changes or new circumstances that we asked about in writing when concluding the contract;
• if the premium is deferred, to pay the individual deferred installments on the due dates specified in the policy.

Upon the occurrence of an insured event, except in cases of actual impossibility:

• notify us in writing, in the event of an occurrence, within the agreed time limits;
• submit a written notification, in accordance with the template, to our office and provide the necessary documents when filing a claim;
• take all reasonable measures to prevent, limit, or reduce the damage, as well as to clarify the amount of the loss or damage;
• not to acknowledge, satisfy or reject any claims without our prior written consent;
• to provide us with all necessary documents proving the occurrence of the insured event and the amount of damage.