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Your browser version is no longer supported, so you may experience issues while using this site. Generic amendments to these insurance provisions are not normally essential, however, discreet changes may be required depending on the nature of a specific project (for example, amending the definition of joint names insurance policy to include the project funders, or to reconcile the standard provisions with a project insurance policy taken out by the Employer).
The Employers’ Liability Insurance policy provides cover for an employer against liability for the damages and claimant’s costs and expenses in respect of bodily injury or disease sustained by any person under a contract of service or apprenticeship.
However, millions of people don’t have it because they can’t afford it or because they don’t know how to get it. If you are an insurance agent that offers a great health insurance product then you can use your business card to attract new clients and to help educate more people about the products that you offer.
Many insurance providers now exclude claims arising from sources they regard as particularly hazardous, such as terrorism, asbestos, gradual pollution, mould, e-commerce transactions and, potentially, financial loss where there has been no ‘injury or damage’ as defined in the policy.
Lilischkis (2003) enumerates the various types of ICT that can be applied in an insurance company that is Internet access, computers, world wide web (WWW), e-mail, Local Area Network, Intra net, Wide Area Network (WAN), extra net, and Electronic Data Interchange (EDI).