700 70 500



Our Employer’s Liability Insurance is designed to protect employers from liabilities arising from disease, fatality or injury to employees due to workplace conditions or practices. It is compulsory to have employer's liability insurance in Cyprus if you have someone working under your supervision.

employee banner


Full-time and part-time employees

Self-employed contractors you hire

Temporary staff, apprentices and volunteers


Do I need an employer’s liability insurance in Cyprus?
In Cyprus, the employer’s liability insurance is compulsory for all companies. It covers the employer against lawsuits by employees for fault or negligence. The minimum requirement limits of liability are: (a) for each accident or disease in relation to each employee, the minimum coverage limit amounts to €160,000 (b) for each incident or series of incidents arising from the same cause, the minimum coverage limit amounts to €3,415,000 (c) for each insurance period, the minimum coverage limit amounts to €5,125,000
Are companies without employees obliged to have employer's liability insurance?
No! In case the director is also the company’s sole employee, then there is no obligation to have this insurance.
I cooperate with freelancers. Do I need this insurance?
You are obliged to have employer's liability insurance only in the case of employees who are registered with the Social Insurance Authorities of Cyprus. Freelancers cooperating with you will have to have this insurance if they have individuals working for them.
What will happen if during the year I get more employees?
At the renewal of their contact, many insurance companies request the number of the previous year’s employees so as to ask for retroactive premiums in case of an increase. According to our company’s policy, at the renewal of the contract we request the number of current employees, thus only adjusting your future premium.
What determines the price of the Employer’s Liability Insurance?
The main three factors determining the cost is the number of individuals employed by the company, the nature of their work (manual, clerical) and their salary.
What documents are needed for employer's liability insurance?
The company’s registration number at Social Insurance. A list with the total number of your employees, their salaries and the nature of their work (manual, clerical). Additionally, we need a copy of all documents pertaining to your company’s registration including the company’s registration number, the shareholders and its address. Finally, we need a utility bill (e.g. electricity, telecommunication) with the company’s name and address clearly stated on it.

Ready to talk to us? Interested in visiting?
Contact [email protected] or
call us on 700 70 500