Simply put, it refers to liability insurance that covers employer liability.

Employers' liability insurance covers employees employed by the insured (i.e. the employer) who suffer injury, disability, death, or illness due to accidents while performing work related to the insured's business as specified in the insurance policy during the course of employment.

In case of occupational diseases related to occupation, the medical expenses and financial compensation liability that should be borne by the insured according to the law or employment contract, including the legal expenses that should be paid, shall be compensated by the insurance company within the prescribed compensation limit.