Employer Liability Claim in Iran
English rendering of the authoritative Persian claim guide for orientation.
Short answer
Employer liability insurance compensates work-related injury to staff when the employer's responsibility and the policy's cover are proven. The file moves from immediate notification and a labour inspection report through the medical commission fixing the disability percentage, to payment of diyeh and recovery-period compensation subject to the deductible, up to the policy limit.
Claim steps
Claim steps — employer liability claim in iran
Report the accident immediately
As soon as you learn of the accident, report it to the agency in person or by phone and, depending on severity, alert emergency services and the police. Preserve the scene and the condition of the equipment.
Open the file and complete the form
Complete the claim form with the exact time, place and type of accident and the injured worker's details, and file it with the employment record and the wage documents. These records support every later calculation.
Labour inspector's report
In serious accidents the labour inspector's report and the minutes of the competent bodies document how the accident happened and any safety defect in the workplace. This record is the basis for fixing the employer's responsibility.
Medical commission for the disability percentage
The percentage of disability, the recovery duration and the diyeh or erc are determined by referral to the medical commissions under Article 86 of the Islamic Penal Code. Their opinion is the medical backbone of the file.
Liability and quantum calculation
Citing the reports and the commission's opinion, the loss adjuster computes the employer's share of responsibility and the compensation for the recovery days in line with Article 95 of the Labor Law. Accurate wage records speed this up.
Agreement, judgment and payment
After an agreement between the parties or a ruling by the competent authority, the diyeh and compensation are paid — the employer's liability and the scope of cover proven — subject to the deductible and up to the policy limit.
Under the common general conditions the accident must be reported to the insurer within a maximum of five working days from the moment you learn of it; the exact deadline in your policy prevails. Fatal accidents and disabilities must also be reported to the labour inspection and social security bodies without delay, per the Labor Law regulations.
Authoritative Persian guide and related pages
The complete and authoritative edition of this guide — deadlines, documents, tips and case FAQs — is published in Persian:
Full Persian claim guide (authoritative)Need to notify a claim or review your coverage?
English-speaking visitors can email us and a consultant will respond in English, usually within one business day. The claim form and quotation form are in Persian.
پاسخ استعلام حداکثر تا یک روز کاری — استعلام هیچ تعهدی برای خرید ایجاد نمیکند.