Employer’s liability insurance coverage

Employer liability insurance, jointly created by PICC & Zhonglian Labor Service, low price, monthly payment, high compensation (800,000), fast claims (30 days), wide coverage (up to 70 years old can be covered), and full coverage ( In addition to the normal expenses can be reimbursed, lost work expenses, legal expenses, rehabilitation expenses, and hospital transfer expenses can be reimbursed), the compensation rate is high (10% is 120% of the quota, 50% is 100% of the quota, and 20% is Compensation is 80% of the quota.
The general commercial insurance compensation rate is less than 50%, and generally will not be compensated 100%, and will not be over-compensated).

Employer liability insurance, jointly created by PICC & Zhonglian Labor Service, low price, monthly payment, high compensation (800,000), fast claims (30 days), wide coverage (up to 70 years old can be covered), and full coverage ( In addition to the normal expenses can be reimbursed, lost work expenses, legal expenses, rehabilitation expenses, and hospital transfer expenses can be reimbursed), the compensation rate is high (10% is 120% of the quota, 50% is 100% of the quota, and 20% is Compensation is 80% of the quota.
The general commercial insurance compensation rate is less than 50%, and generally will not be compensated 100%, and will not be over-compensated).

1.
What is employer liability insurance

1.
What is employer liability insurance

How much is employer liability insurance for a year? Employer liability insurance is mainly set up for the normal operation of the company and to protect the interests of the company and its employees.
In this way, when an employee suffers from a physical illness or work injury due to work during his work, and Within the scope of insurance underwriting, these responsibilities will be directly transferred to the insurance company, and the insurance company will provide certain compensation to the employer.

How much is employer liability insurance for a year? Employer liability insurance is mainly set up for the normal operation of the company and to protect the interests of the company and its employees.
In this way, when an employee suffers from a physical illness or work injury due to work during his work, and Within the scope of insurance underwriting, these responsibilities will be directly transferred to the insurance company, and the insurance company will provide certain compensation to the employer.

Many people still want to know how much employer liability insurance is for one year? Zhonglian Insurance, for example, starts at least 10 people for employer liability insurance, and the price is as low as 11 yuan per person per month.

Many people still want to know how much employer liability insurance is for one year? Zhonglian Insurance, for example, starts at least 10 people for employer liability insurance, and the price is as low as 11 yuan per person per month.

2.
Employer’s Liability Insurance Protection Objects

2.
Employer’s Liability Insurance Protection Objects

1.
Formal employees of enterprises and institutions

1.

Formal employees of enterprises and institutions

2.
Temporary workers, seasonal workers, apprentices

2.
Temporary workers, seasonal workers, apprentices

3.
Outsourcing and dispatching employees

3.
Outsourcing and dispatching employees

4.
Internship students

4.
Internship students

5.
Labor contract workers

5.
Labor contract workers

3.
Employer’s Liability Insurance Premium:

3.
Employer’s Liability Insurance Premium:

The rate shall be determined according to the work address, the nature of the occupation, the deductible and the compensation limit selected by the insured.

The rate shall be determined according to the work address, the nature of the occupation, the deductible and the compensation limit selected by the insured.

 

 

Insurance premium = estimated total wages of the insured’s employees (including bonuses, allowances, overtime pay, etc.
) × risk rate.
When the insurance period expires, the actual premiums will be calculated, with more refunds and less supplements.

Insurance premium = estimated total wages of the insured’s employees (including bonuses, allowances, overtime pay, etc.
) × risk rate.
When the insurance period expires, the actual premiums will be calculated, with more refunds and less supplements.

4.
The main exclusions of employer liability insurance:

4.
The main exclusions of employer liability insurance:

1.
Disability or death of employees due to illness, infectious disease, childbirth, abortion, and medical and surgical operations performed due to these diseases;

1.

Disability or death of employees due to illness, infectious disease, childbirth, abortion, and medical and surgical operations performed due to these diseases;

2.
Disability or death caused by employees' self-inflicted injury, suicide, or criminal behavior;

2.
Disability or death caused by employees' self-inflicted injury, suicide, or criminal behavior;

3.
Intentional acts or gross negligence of the insured;

3.
Intentional acts or gross negligence of the insured;

4.
The insured’s responsibilities for its non-personnel contractors’ employees

4.
The insured’s responsibilities for its non-personnel contractors’ employees

our products 

our products 

1.
Enhanced version: 800,000 dead + 200,000 medical

1.
Enhanced version: 800,000 dead + 200,000 medical

3.
Deluxe version: 400,000 dead + 50,000 medical

3.

Deluxe version: 400,000 dead + 50,000 medical

4.
Enhanced version: 200,000 deaths + 40,000 medical treatments 

4.
Enhanced version: 200,000 deaths + 40,000 medical treatments 

5.
Basic version: 100,000 deaths + 20,000 medical treatments

5.
Basic version: 100,000 deaths + 20,000 medical treatments

Zhonglian Employer Liability Insurance:

Zhonglian Employer Liability Insurance:

The underwriting age range is 16-70 years old, which is much higher than the upper 60-year-old age limit of general companies

The underwriting age range is 16-70 years old, which is much higher than the upper 60-year-old age limit of general companies

Zhonglian Employer Liability Insurance Compensation Case:

Zhonglian Employer Liability Insurance Compensation Case:

Case number one:

Case number one:

Mr.
Zhao*xiang, an employee of Nanjing Huatian* Co.
, Ltd.
, is engaged in security work.
At around 16:00 on January 4, 2018, the employee was sent to Nanjing Workers' Hospital for emergency treatment due to physical discomfort while working as a security officer.

Mr.
Zhao*xiang, an employee of Nanjing Huatian* Co.
, Ltd.
, is engaged in security work.
At around 16:00 on January 4, 2018, the employee was sent to Nanjing Workers' Hospital for emergency treatment due to physical discomfort while working as a security officer.

Diagnosed by medical doctor: died of ineffective rescue, sudden death.
The employer Xin An Customer Service Commissioner received the claims materials on March 18, 2018.
The insurance company issued a notice of compensation on April 23, 2018.
The compensation was paid to our company’s account on 4.

25.
On 4.
26, our company will pay 750,000 for work death compensation.
Yuan is paid to the employer.

Diagnosed by medical doctor: died of ineffective rescue, sudden death.
The employer Xin An Customer Service Commissioner received the claims materials on March 18, 2018.
The insurance company issued a notice of compensation on April 23, 2018.
The compensation was paid to our company’s account on 4.

The company bought the exclusive version of Zhonglian Employer Liability Insurance for its employees, 800,000 + 100,000.

The company bought the exclusive version of Zhonglian Employer Liability Insurance for its employees, 800,000 + 100,000.

Final compensation, one-off subsidy for work death: 750,000 yuan

Final compensation, one-off subsidy for work death: 750,000 yuan

Case 2:

Case 2:

Ms.
Zhao, an employee of a company in Heze, is specifically engaged in cleaning jobs.
At around 14:10 on May 9, 2018, the employee accidentally fell down due to water on the steps and injured his left wrist while cleaning up in his service area.
The unit sent a car to the nearest for treatment, and then on the 10th.
In the afternoon, he was sent to a hospital in the city for treatment.

Ms.

Zhao, an employee of a company in Heze, is specifically engaged in cleaning jobs.
At around 14:10 on May 9, 2018, the employee accidentally fell down due to water on the steps and injured his left wrist while cleaning up in his service area.
The unit sent a car to the nearest for treatment, and then on the 10th.

Medical diagnosis: trauma to the left thumb, hospitalized for 18 days.

The company bought the luxury version of Zhonglian Employer Liability Insurance for employees, 400,000 + 50,000.

Medical expenses: 806.

Hospitalization subsidy: 100 yuan / day * 18 days = 1800 yuan

Lost time fee: 100 yuan/day*18 days

Lost time fee: 100 yuan/day*18 days

Total: 11669.
65 yuan

Total: 11669.
65 yuan

Zhonglian Employer Liability Insurance:

Zhonglian Employer Liability Insurance:

A variety of price systems, there is always one that can meet your requirements.
According to the different situations of different users, we have designated a variety of guarantee systems to ensure that each user can enjoy the best price.
Please call us for specific prices.

A variety of price systems, there is always one that can meet your requirements.

According to the different situations of different users, we have designated a variety of guarantee systems to ensure that each user can enjoy the best price.