Employers Liability Insurance in Iran (Labor Law Art. 91)
For employers in construction, industrial, service and contracting workplaces with salaried workers.
Persian twin page (authoritative): /liability/commercial/employers
Short answer
Employers liability insurance compensates workers for bodily injury, death or occupational disease caused by work or workplace conditions, when the employer is legally liable under Article 91 of the Iranian Labor Law. It pays diyeh and court-awarded damages up to the policy limit and defends the employer in labor disputes.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Employers in construction, installation, industrial and service workshops
- Contracting companies responsible for their site workforce
- Factories, workshops and production units with declared workers
- Service businesses employing salaried staff, from offices to hospitality
- Project employers holding temporary workforces during execution periods
What is covered?
| Coverage | Description |
|---|---|
| Diyeh for death and disability | Compensation of the employer's liability for death or permanent disability of a worker, calculated on the official diyeh schedule of the year of the incident. |
| Partial disability percentages | Payment according to the percentage of disability determined by the medical or judicial authority, as the employer's civil liability under Article 91. |
| Occupational disease liability | Liability for diseases proven to be caused by workplace conditions, following the same compensation logic as work accidents. |
| Financial loss awards | Court-awarded pecuniary damage — treatment costs and loss of income components — included in the employer's proven liability. |
| Defense costs in labor disputes | Attorney fees and procedural costs in labor-authority and court proceedings arising from the insured work injury. |
| Supervisors' acts | Vicarious liability of the employer for the acts of site supervisors and foremen within the declared workplace. |
What is not covered? (Exclusions)
- Intentional self-harm or injuries caused by the worker's own deliberate act
- Incidents outside the workplace or unrelated to the declared work activity
- Liability already compensated as statutory Social Security work-accident benefit for the same head of damage
- Criminal fines and penalties imposed on the employer
- Undeclared worker categories, where the insurer reduces payment in proportion to the unreported payroll
Issuance conditions
- An employment relationship between the employer and the injured worker
- Declaration of the workplace, activity and worker categories at issuance
- Compliance with safety regulations, without prejudice to the insurer's duty per the policy terms
Required documents
- Business or workshop license and activity description
- Worker list or declared worker categories for the schedule
- Identity documents of the employer (natural or legal person)
- Previous liability policy, for renewal and no-claims discount
How to buy — step by step
Quotation and consultation
Submit the quote request with the workplace profile; the advisor proposes the limit and worker categories to declare.
Documents and official proforma
After the activity details are received, an official proforma invoice is issued on Bimeh Iran tariffs.
Premium payment
Pay through the banking gateway or a bank receipt; cover starts the moment issuance is confirmed.
Policy delivery
The printed and electronic policy, with the declared workplaces and worker categories, is delivered within one working day.
How to claim — step by step
Immediate notification
Notify the agency within five working days of the incident, as the policy requires prompt written notification.
Claim form
Complete and sign the claim form describing the accident, the workplace conditions and the injured worker.
Case documents
Submit the worker's identity and employment documents, medical records, and any labor inspectorate or Social Security reports.
Liability assessment
The labor authority, medical commission or court establishes the causal link, the disability percentage and the employer's liability share.
Agreement and payment
Compensation is agreed with the claimant or fixed by ruling and paid subject to the policy deductible.
File closure
The settlement record closes the file; recurring workplace hazards should be corrected to preserve the no-claims record.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Employers Liability Insurance
Legal sources
Labor Law of Iran — Adopted 1990 — Article 91 (employer's civil liability)
Labor Law of Iran — Article 95 — determination of disability percentage
Social Security Act of Iran — Work-accident statutory benefits
Iranian Insurance Act (1936) — Article 30 — five-day claim notification
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Employers Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.