Employer’s Liability Insurance is compulsory under Cyprus law. As an employer, you are legally responsible for the health and safety of your employees during the course of their work.

This policy protects businesses against legal liability arising from employee injury, occupational illness, or death resulting from workplace incidents. In the event of a claim, it provides financial protection against compensation awarded to employees or their legal heirs.

At R&H Haralambous Insurance, we assess each client’s operational risks and recommend appropriate coverage limits to ensure full compliance and meaningful protection beyond the statutory minimum requirements.

Minimum statutory limits:

• €160,000 per employee
• €3,415,000 per incident
• €5,125,000 per insurance period