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This policy was designed to protect you and your business against any losses incurred by a person under a contract of service or apprenticeship, it indemnifies you against legal liability for damages and bodily injury caused by accident or disease.

• Covers employer against liability under the law to pay compensation
• Covers employer against liability to pay claimant's costs and expenses
• Includes local employees who are not eligible for contribution to the SOCSO scheme

Designed for businesses that employ foreign workers, the objective of this policy is to serve as a guarantee to the Immigration Department. The policy covers repatriation expenses in the event of deportation of the foreign worker, due to violations of immigration laws, involvement in illegal activities or the Company being dissolved and incapable of compensating the employee. Requirements include:

• Cash-Before-Cover (CBC)
• Limit Per Guarantee
• Letter of Indemnity (LOI)
• Cash Collateral