Insurance for migrant workers (expats)

We all know that Seychelles is extremely reliant on migrant workers (or expats). There are certain jobs which requires specific skills and expertise and which may not be immediately available locally. We also have a shortage of labour in some areas, notably in the tourism industry, in the fisheries industry and in the construction industry.

From slips and falls, minor to major injuries migrant workers have different needs and employers need to cater to all of them. Below is our list of recommended insurance:

Contractors All Risks
The Contractors All Risks is an insurance product designed to protect your construction business against a range of potential hazards that might occur with this type of work. By having this type of insurance, you protect your company from facing financial loss as a result of unforeseen events. This way, payments towards migrant workers will not be unreasonably affected.

Employers’ Liability
The Employers’ Liability insurance is designed to cover claims from employees who have been injured or become seriously ill as a result of working for you. Many migrant workers operate in some hazardous conditions such as factories and may be at a higher risk of injury than office workers. It is less costly for the employer in the long run to cover the risk of injury.

Health insurance
The Corporate Health insurance is designed to provide cover for medical, obstetric care and surgical expenses for inpatient treatment incurred by your employee. As the employee is a foreigner, it is safer and less costly to provide insurance for their medical needs.

Personal Accident
Group Personal Accident insurance is designed to provide cover against accidental death or bodily injury. Migrant workers have less legal protections in general than local workers. In the event of an accidental death or serious body injury, the worker will likely have to return home facing a potential loss of earnings. With a personal accident insurance, these workers can be sufficiently compensated for lost earnings and medical costs if suffering from a serious injury sustained at work.

Caution, although Public liability protects you if someone is injured on your property/premises, your insurance will not cover damage caused as a result of illegal employment or other unlawful activity undertaken by yourself.