Employers have to take out insurance cover, called employer's liability insurance, to cover claims by employees against the employer for damage caused to them while they are at work.
Workman Compensation Acts or Employee's Compensation Ordinances or whatever they are called in your country provide for the payment of compensation monies to employees who may be injured as a direct result of their job. However, employees have a common law right to sue their employer for negligence in some countries and so it is advisable for employers to extend any policy to include Employer's Liability cover.
The responsibility of an employer to reimburse an injured employee for accidents occurring in the course of employment. Such liability is separate from and is in addition to any statutory liability created under workers' compensation Law. Employer's liability is usually insured by a separate section under a workers' compensation policy.