Employer Liability Policy

In accordance with the Workmen’s Compensation Act Cap. 219 all employers in Sierra Leone are required to cover their employees against accident/sickness arising out of or in the course of their employment.

The Aureol Employer’s Liability Policy which also known as the Workmen’s Compensation Policy pays compensation for a bodily injury or disease arising out of and in the course of the employment of the employee and all costs and expenses incurred with our consent in defending any claim for such compensation.

Workmen’s Compensation policy provides compensation as follows:

  1. Death - 42 Months Earnings
  2. Permanent Total Disability - 56 Months Earnings

Or a Percentage of this amount depending on the degree of disability awarded by the attending Medical Doctor

The percentage Residual Disability awards are as follows:

Loss of two limbs...............................................................100
Loss of both hands or of all fingers and both thumbs.....................100
Loss of both feet...............................................................100
Total loss of sight...............................................................100
Total paralysis...................................................................100
Injuries resulting in being bedridden permanently..........................100
Any other injury causing permanently total disablement..................100
Loss of remaining eye by one-eyed workman...............................100
Loss of remaining arm by one-armed workman..............................100
Loss of remaining leg by one-legged workman...............................100
Loss of arm at shoulder..........................................................70
Loss of arm between elbow and shoulder.....................................68
Loss of arm at elbow.............................................................67
Loss of arm between wrist and elbow ........................................60-65
Loss of hand at wrist............................................................60
Loss of four fingers and thumb of one hand.................................60
Loss of four fingers..............................................................35
Loss of thumb:
both phalanges........................................................35
one phalanx............................................................10
Loss of index finger:
three phalanges.......................................................10
two phalanges..........................................................8
one phalanx.............................................................4

In order to provide an appropriate premium quotation for the Employer’s Liability policy, we require the following information:

  1. Number of employees
  2. Estimated Annual Salaries and Wages of each category of employees
  3. Medical Expenses per employee (If required)
  4. The nature of business