Insurance May/June 2015

Question 4

  • Define the term employer’s liability in insurance.
  • State three benefits that can be covered under employer’s liability.
  • State three causes of business interruption.


The candidates could not attempt part (b) and (c) of the question very well.  The following are some of the answers expected from the candidates:

(b)        Benefits that are covered under employer’s liability insurance

(i)       Death of the employer;
(ii)      Permanent disability sustained by the employee;
(iii)      Temporal disability sustained by the employee, etc.

(c)        Cause of Business Interruption

(i)       Fine;
(ii)       Explosion;
(iii)       Special peril, etc.