Lesson Notes By Weeks and Term - Senior Secondary 2

Employer's liability insurance II

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Term – 2nd Term

Week: 11

Class: Senior Secondary School 2

Age: 16 years

Duration: 40 minutes of 2 periods each

Date:       

Subject:      Insurance

Topic:-       Employer’s liability insurance II

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

  1. State the duties of employer’s liability insurance
  2. State the limits of 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 employer’s liability insurance

Students pay attention

STEP 2

EXPLANATION

He mentions and explains the duties of employer’s liability insurance

 

 

Students pay attention and participates

STEP 3

DEMONSTRATION

He further enumerates the limits of 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

DUTIES OF EMPLOYERS’ LIABILITY INSURANCE

  1. Duty to depend

It is the duty of the insurance company under the policy to depend on the

employer when such in a court of law for liabilities, damage and claims.

  1. Duty to indemnity

It is the duty of the insurers to pay compensation for all sums which the

insured is held liable or responsible up to the policy limit.

  1. Duty to settle clear claims

It is the duty of the insurance company to settle reasonable claims on

behalf of the employer.

 

LIMITS OF EMPLOYERS’ LIABILITY INSURANCE POLICY 

a. If an employer intentionally aggravates an employee’s work-related injury

or illness, employers' liability insurance will not cover the employers'

financial obligations to the employee, and the employer will have to pay the

employee if the employee wins in court. 

b. Employers' liability insurance policies also place limits on what they must

pay out per· employee, per injury, and per illness. These limits might be as

low as $100,000 per employee, $100,000 per incident, and $500,000 per

policy. This insurance does not cover independent contractors.

EVALUATION:    1. State two duties of employer’s liability insurance

  1. Enumerate two limits of employer’s liability insurance

CLASSWORK: As in evaluation

CONCLUSION: The teacher commends the students positively