Employers’ Liability and Workers’ Compensations

Protect your workforce and business.

Employers Liability and Workers Compensation Insurance in Thailand: Protecting People and Profit

Employers liability and workers compensation insurance in Thailand is vital because workplace injuries can occur despite strong safety cultures. Consequently, businesses must safeguard employees while shielding cash flow from medical bills, lost-wage claims, and legal fees.

Why Employers Liability Matters to Thai Businesses

Higher medical costs and wage inflation
Treatment and rehabilitation expenses have risen steadily; therefore, even minor injuries can generate large claims. Moreover, salary growth inflates indemnity payments.

Tougher enforcement of labor law

The Ministry of Labor increasingly audits safety records. Non-compliance may lead to penalties, license suspension, and reputational harm.

Core Coverages in a Comprehensive Policy

Statutory workers compensation – pays medical bills, disability income, and survivor benefits required by Thai law.
Employers liability – covers lawsuits alleging negligence, unsafe premises, or inadequate training.
Legal defense costs – reimburses attorney fees, expert testimony, and court expenses from first notice of claim through final judgment.
Repatriation expenses – applies when foreign employees must return home for treatment.

Optional Extensions for Broader Protection

Because every workforce is unique, Lockton Wattana can add:

Occupational disease coverage for conditions that develop over time, such as hearing loss or repetitive-strain injuries.
Voluntary compensation that fills gaps when contractors or interns are not fully covered by statute.
Employer’s contingent motor liability addressing accidents that occur while employees drive personal vehicles on company business.

All extensions integrate seamlessly, ensuring there are no dangerous coverage gaps.

How Lockton Wattana Optimizes Employers Liability and Workers Compensation Insurance in Thailand

First, our casualty specialists benchmark your incident frequency and severity against industry peers and global best practice. Next, we model worst-case scenarios—such as factory fires or vehicle rollovers—to calculate realistic limit needs. After that, we leverage worldwide insurer relationships to negotiate competitive premiums, multi-year rate stability, and quick policy issuance. Furthermore, we deliver safety-leadership workshops and claims-reporting training that reduce frequency, improve documentation, and shorten downtime.