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This insurance indemnifies the insured against all sums for which he shall be so liable at law as well as all costs and expenses he will be responsible for, incurred with the company’s consent, in defending any claim for such compensation, if at any time during the period of insurance:
• any Employee in immediate service of the insured shall  sustain personal injury or death by accident or disease arising out of and in the course of his or her employment by the insured in the Business, and
• if the insured shall be liable to pay compensation for such injury or death under Saudi Labor Law(s).
Exclusions :
(1) Nuclear/Chemical/Biological/Terrorism Risks.  
(2) Radioactive Contamination.  
(3) Terrorism & Sabotage. 
(4) War & Civil War.  
(5) Cyber Risks.
• Employer’s Liability 
• Work during weekends and official holidays.
• Repatriation costs.
• 24 Hour cover. 
• Medical Expenses.

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