As employment litigation increases in Kenya, Employer Liability (EL) insurance protects your organisation against employee compensation claims that fall outside the scope of WIBA — including claims for: negligence in providing a safe working environment, wrongful dismissal or constructive dismissal claims, discrimination or harassment complaints, and claims arising from occupational diseases with long latency periods. EL cover includes legal defence costs and compensation awarded by courts. Always recommended alongside WIBA to close the full employer liability gap — the two covers together provide comprehensive protection.