All employees earning salary wages of RM 2,000 or less a month are required to be insured under the Malaysian Social Security Act 1969. Such employee in the event of an accident arising in the course of employment can only claim benefits provided under the SOCSO Act. They are debarred from suing the employer under Common Law. The employees however can sue their fellow employees for negligence under the Common Law.
Employee earning above RM 2,000 per month are not required to be covered by SOCSO (unless they have been covered by SOCSO when they were earning less than RM2, 000). Such employees in the event of an accident arising in the course of employment can sue their employer for negligence under the Common Law.
Scope of Cover i) To indemnify an Insured (Employer) when held to pay damage ii) To pay for legal defense costs incurred when defending claim
Limit of Indemnity The sum insured in Employer's Liability Policy is represented by the Indemnity Amount which is categorized into:- i) Limit of Indemnity Any One Accident ii) Limit of Indemnity Any One Period The indemnity granted for any one accident is a fixed amount determined by the insured according to the exposure and circumstances of the business.
Rating i) Premium rate is computed on the estimated annual salary of each employee ii) See Rating Table attached to Workmen's Compensation Insurance iii) Minimum Rate: 0.10% iv) Agents are advised to refer to the company for guidance where lower rates are expected to secure risks.
Special Note The Employer's Liability Policy does not cover the foreign workers The Foreign Workers means manual workers under this nationality e.g. Indonesian, Bangladeshi, Indian etc.
Minimum Premium RM100.00
Referred / Declined Risks Same as those listed in Workmen's Compensation Insurance.
Pengenalan keatas Liability Perkerja
Semua pekerja bergaji gaji bulanan sebanyak RM 2,000 atau kurang dikehendaki hendak diinsuranskan di bawah Akta Keselamatan Sosial Malaysia 1969. Pekerja seperti dalam peristiwa kemalangan yang timbul dalam urusan pekerjaan hanya boleh membuat tuntutan faedah yang disediakan di bawah Akta PERKESO. Mereka dihalang daripada menyaman majikan di bawah Common Law. Pekerja bagaimanapun boleh menyaman rakan sekerja mereka kerana kecuaian di bawah Common Law.
Pekerja berpendapatan melebihi RM 2,000 sebulan tidak dikehendaki dilindungi oleh PERKESO (melainkan jika mereka telah dilindungi oleh PERKESO apabila mereka berpendapatan kurang daripada RM2,000). Pekerja seperti dalam peristiwa kemalangan yang timbul dalam urusan pekerjaan boleh menyaman majikan mereka untuk kecuaian di bawah Common Law.
Skop Perlindungan
i) Untuk menanggung rugi yang Diinsuranskan (Majikan) apabila diadakan untuk membayar kerosakan
ii) Untuk membayar kos pembelaan undang-undang tertanggung apabila mempertahankan tuntutan
Had Indemniti
Jumlah diinsuranskan dalam Polisi Liabiliti Majikan diwakili oleh Amaun Indemniti yang dikategorikan kepada: -
i) Had Indemniti mana Satu Kemalangan
ii) Had Indemniti Sebarang Tempoh Satu
Indemniti yang diberikan bagi mana-mana satu kemalangan adalah satu jumlah tetap yang ditentukan oleh yang diinsuranskan mengikut pendedahan dan keadaan perniagaan.
Penilaian
i) kadar premium dikira atas anggaran gaji tahunan setiap pekerja
ii) Lihat Jadual Penilaian dilampirkan kepada Insurans Pampasan Pekerja
iii) Kadar Minimum: 0.10%
iv) Agen adalah dinasihatkan untuk merujuk kepada syarikat itu bagi petunjuk di mana kadar yang lebih rendah dijangka untuk menjamin risiko.
Nota Khas
Polisi Liabiliti Majikan tidak meliputi pekerja asing
Pekerja Asing bermakna pekerja manual bawah contohnya kewarganegaraan ini Indonesia, Bangladesh, India dan lain-lain
Premium Minimum
RM100.00
Risiko Dirujuk / Ditolak
Sama seperti yang disenaraikan dalam Insurans Pampasan Pekerja (W/mens Comp).
1st principal policy wording on employer's liability
Jun 25, 2010, 9:07 AM
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Act 177 INDUSTRIAL RELATIONS ACT 1967 Incorporating all amendments up to 1 January 2006 View
INDUSTRIAL RELATIONS
ACT 1967
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
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IN COLLABORATION WITH
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2006
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Act 262 TRADE UNIONS ACT 1959 Incorporating all amendments up to 1 January 2006 View
Act 262
TRADE UNIONS ACT 1959
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
EMPLOYMENT ACT 1955
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
Act 273
WORKMEN’S COMPENSATION
ACT 1952
Incorporating all amendments up to 1 January 2006
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Act 452 EMPLOYEES PROVIDENT FUND ACT 1991 Incorporating all amendments up to 1 January 2006 View
EMPLOYEES PROVIDENT FUND
ACT 1991
Incorporating all amendments up to 1 January 2006
PUBLISHED BY
THE COMMISSIONER OF LAW REVISION, MALAYSIA
UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968
IN COLLABORATION WITH
PERCETAKAN NASIONAL MALAYSIA BHD
2006
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EMPLOYEES’ SOCIAL SECURITY ACT 1969 Incorporating all amendments up to 1 January 2006 View
Act 4
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Underwriting Guidelines/ 承保指引/ Garis Panduan Pengunderaitan