Lesson Notes By Weeks and Term - Senior Secondary 2

Employer's liability insurance I

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Term – 2nd Term

Week: 10

Class: Senior Secondary School 2

Age: 16 years

Duration: 40 minutes of 2 periods each

Date:       

Subject:      Insurance

Topic:-       Employer’s liability insurance I

SPECIFIC OBJECTIVES: At the end of the lesson, pupils should be able to

  1. Define employer’s liability insurance
  2. Enumerate perils covered under employer’s liability insurance

INSTRUCTIONAL TECHNIQUES: Identification, explanation, questions and answers, demonstration, videos from source

INSTRUCTIONAL MATERIALS: Videos, loud speaker, textbook, pictures

INSTRUCTIONAL PROCEDURES

PERIOD 1-2

PRESENTATION

TEACHER’S ACTIVITY

STUDENT’S ACTIVITY

STEP 1

INTRODUCTION

The teacher reviews the previous lesson on aviation insurance

Students pay attention

STEP 2

EXPLANATION

He defines employer’s liability insurance

 

 

Students pay attention and participates

STEP 3

DEMONSTRATION

He further enumerates perils covered under employer’s liability insurance

Students pay attention and participate

STEP 4

NOTE TAKING

The teacher writes a summarized note on the board

The students copy the note in their books

 

NOTE

EMPLOYER’S LIABILITY INSURANCE

Employers' liability insurance is a cover that protects employers from financial loss if a worker has a job-related injury or illness not covered by workers' compensation.

Employers’ liability insurance is an insurance cover against legal liability for illness, death, injury or damage sustained by an employee resulting out of and in the cause of the employment.

NOTE THAT:  Employers' liability insurance can be packaged with workers' compensation insurance to further protect companies against the costs associated with workplace injuries, illnesses, and deaths. 

Employers' liability insurance is also called “part 2” of a workers’ compensation policy.·

 

PERILS COVERED UNDER THE POLICY- EMPLOYERS’ LIABILITY INSURANCE 

  • Body injury to employee
  • Illness or diseases sustained by the employee
  • Death of the employee
  • Damage of employee property
  • Medical bills and legal fees due to employee illness or injury
  • Legal defence costs when an employee blames your business’s negligence for their injury or illness. Those costs could include hiring a lawyer, court fees, and paying a settlement or judgment.

EVALUATION:    1. Define employer’s liability insurance

  1. Enumerate three perils covered under employer’s liability insurance

CLASSWORK: As in evaluation

CONCLUSION: The teacher commends the students positively