Εργοδοτική Ευθύνη
Employer’s Liability Insurance protects the company from financial claims of employees that may arise due to accidents at work or occupational diseases during the performance of their work. It provides cover for damages, legal costs and medical expenses, as well as for claims arising from possible negligence on the part of the employer. This insurance is a key pillar of compliance and corporate responsibility for companies of all sizes, especially in industries with manual work or an increased level of risk. It contributes substantially to the management of occupational risks and the creation of a safe and organised working environment. The insurance solution is based on the activity, the number of employees and the risk profile of the company. Maxima Insurance offers comprehensive guidance, independent comparison of insurance plans and full claims management support, ensuring that the business operates consistently, safely and effectively protecting both the organisation and its people.

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Frequently Asked Questions

Find answers to key questions about the plan and get information before you choose the coverage that’s right for you.

Although insurance with EFKA is compulsory, private employers’ liability insurance is not compulsory by law for all companies. However, it is extremely important as it covers claims for compensation exceeding the benefits of the insurance funds, in accordance with Articles 657, 658 and 932 of the Civil Code.

It covers the employer’s legal liability for bodily injury, death or occupational disease of employees in the course of their work. Specifically, it covers:Expenses for medical treatment, hospitalisation, first aid.Compensation for permanent/partial disability.Financial compensation for moral injury or mental suffering.Legal costs and court costs.

Covered are the personnel with a legal contract of employment (permanent, seasonal, part-time) who are insured by a public body (EFKA) and who are employed on the premises of the company.

Yes, employers’ liability insurance covers bodily injury resulting from the negligence or omission of the employer or his employees.

The EFKA covers part of the damage. Private insurance comes to cover the difference (supplementary) up to the maximum limit of the insurance policy, as the employees’ claims often exceed the benefits of the fund, and compensation for mental anguish / moral damage is also claimed.

Yes, if the work is within the Greek territory and has been declared in the insurance policy.

You must notify the insurance company immediately and in writing, providing all the details of the incident.