{"id":741,"date":"2026-07-27T06:34:56","date_gmt":"2026-07-27T06:34:56","guid":{"rendered":"https:\/\/geminia.co.ke\/dev\/?page_id=741"},"modified":"2026-09-03T01:56:14","modified_gmt":"2026-09-03T01:56:14","slug":"employee-liability-insurance","status":"publish","type":"page","link":"https:\/\/geminia.co.ke\/dev\/employee-liability-insurance\/","title":{"rendered":"Employee Liability Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"741\" class=\"elementor elementor-741\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77e0139 e-con-full e-flex e-con e-parent\" data-id=\"77e0139\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa871f elementor-widget elementor-widget-html\" data-id=\"6fa871f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n  .gem-purpose {\r\n    position: relative;\r\n    width: 100%;\r\n    min-height: 420px;\r\n    display: flex;\r\n    align-items: center;\r\n    background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/Employee-Liability.jpg');\r\n    background-size: cover;\r\n    background-position: center;\r\n    overflow: hidden;\r\n    font-family: 'Poppins', sans-serif;\r\n  }\r\n\r\n  \/* Darken the photo a touch so the color wash + text pop *\/\r\n  .gem-purpose::before {\r\n    content: \"\";\r\n    position: absolute;\r\n    inset: 0;\r\n    background: linear-gradient(\r\n      100deg,\r\n      rgba(10, 10, 25, 0.75) 0%,\r\n      rgba(10, 10, 25, 0.5) 40%,\r\n      rgba(10, 10, 25, 0.35) 100%\r\n    );\r\n    z-index: 1;\r\n  }\r\n\r\n  \/* Floating color blobs \u2014 brand colors blended over the photo *\/\r\n  .gem-purpose__blob {\r\n    position: absolute;\r\n    border-radius: 50%;\r\n    filter: blur(70px);\r\n    mix-blend-mode: screen;\r\n    z-index: 2;\r\n    pointer-events: none;\r\n  }\r\n\r\n  .gem-purpose__blob--blue {\r\n    width: 480px;\r\n    height: 480px;\r\n    background: radial-gradient(circle at center, #43a8de 0%, rgba(67, 168, 222, 0) 70%);\r\n    top: -140px;\r\n    left: 5%;\r\n    opacity: 0.85;\r\n    will-change: transform;\r\n  }\r\n\r\n  .gem-purpose__blob--indigo {\r\n    width: 560px;\r\n    height: 560px;\r\n    background: radial-gradient(circle at center, #393680 0%, rgba(57, 54, 128, 0) 70%);\r\n    bottom: -220px;\r\n    left: 30%;\r\n    opacity: 0.9;\r\n    will-change: transform;\r\n  }\r\n\r\n  .gem-purpose__blob--blue2 {\r\n    width: 360px;\r\n    height: 360px;\r\n    background: radial-gradient(circle at center, #43a8de 0%, rgba(67, 168, 222, 0) 70%);\r\n    top: 20%;\r\n    right: 8%;\r\n    opacity: 0.6;\r\n    will-change: transform;\r\n  }\r\n\r\n  \/* Positions above are the resting state used when motion is reduced or JS hasn't run yet *\/\r\n\r\n  .gem-purpose__inner {\r\n    position: relative;\r\n    z-index: 3;\r\n    width: 100%;\r\n    max-width: 1200px;\r\n    margin: 0 auto;\r\n    padding: 0 40px;\r\n  }\r\n\r\n  .gem-purpose__content {\r\n    max-width: 640px;\r\n  }\r\n\r\n  .gem-purpose__eyebrow {\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 500;\r\n    font-size: 14px;\r\n    color: #ffffff;\r\n    margin: 0 0 8px 0;\r\n    text-transform: uppercase;\r\n    letter-spacing: 3px;\r\n\r\n  }\r\n\r\n  .gem-purpose__title {\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 700;\r\n    font-size: 38px;\r\n    line-height: 1.25;\r\n    color: #ffffff;\r\n    margin: 0 0 28px 0;\r\n  }\r\n\r\n  .gem-purpose__cta {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    padding: 16px 30px;\r\n    background: #3fa6dd;\r\n    color: #ffffff !important;\r\n    text-decoration: none !important;\r\n    border-radius: 999px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 600;\r\n    font-size: 14.5px;\r\n    box-shadow: 0 12px 26px rgba(63, 166, 221, 0.4);\r\n    transition: background 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;\r\n  }\r\n  .gem-purpose__cta:hover {\r\n    background: #2f92c9;\r\n    text-decoration: none !important;\r\n    transform: translateY(-2px);\r\n    box-shadow: 0 16px 30px rgba(63, 166, 221, 0.48);\r\n  }\r\n  .gem-purpose__cta:focus-visible {\r\n    outline: 2px solid #ffffff;\r\n    outline-offset: 3px;\r\n  }\r\n\r\n  @media (max-width: 991px) {\r\n    .gem-purpose {\r\n      min-height: 360px;\r\n    }\r\n    .gem-purpose__title {\r\n      font-size: 30px;\r\n    }\r\n    .gem-purpose__blob--blue { width: 340px; height: 340px; }\r\n    .gem-purpose__blob--indigo { width: 400px; height: 400px; }\r\n    .gem-purpose__blob--blue2 { width: 260px; height: 260px; }\r\n  }\r\n\r\n  @media (max-width: 600px) {\r\n    .gem-purpose {\r\n      min-height: 320px;\r\n    }\r\n    .gem-purpose__inner {\r\n      padding: 0 24px;\r\n    }\r\n    .gem-purpose__title {\r\n      font-size: 24px;\r\n    }\r\n    .gem-purpose__eyebrow {\r\n      font-size: 16px;\r\n    }\r\n    .gem-purpose__cta {\r\n      padding: 14px 26px;\r\n      font-size: 13.5px;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<section class=\"gem-purpose\">\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--blue\"><\/div>\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--indigo\"><\/div>\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--blue2\"><\/div>\r\n\r\n  <div class=\"gem-purpose__inner\">\r\n    <div class=\"gem-purpose__content\">\r\n      <p class=\"gem-purpose__eyebrow\">A Safer Workplace Starts with the Right Protection.<\/p>\r\n      <h2 class=\"gem-purpose__title\">Accidents can happen even in the safest workplaces.<\/h2>\r\n      <a class=\"gem-purpose__cta\" href=\"https:\/\/geminia.co.ke\/dev\/employee-liability-form\/\">Purchase Cover<\/a>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<script>\r\n(function () {\r\n  var hero = document.querySelector('.gem-purpose');\r\n  if (!hero) return;\r\n\r\n  \/\/ Respect users who've asked for reduced motion \u2014 blobs just stay put.\r\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\r\n\r\n  \/\/ Each blob keeps a gentle ambient drift ALL the time, plus a mouse-driven\r\n  \/\/ push once you hover the section.\r\n  \/\/   mouseStrength > 0  \u2192 blob drifts toward the direction the cursor moves\r\n  \/\/   mouseStrength < 0  \u2192 blob drifts away from the cursor\r\n  \/\/ Tweak these numbers to taste.\r\n  var blobs = [\r\n    { el: hero.querySelector('.gem-purpose__blob--blue'),   ampX: 35, ampY: 25, speedX: 0.15, speedY: 0.18, phase: 0, mouseStrength: 70  },\r\n    { el: hero.querySelector('.gem-purpose__blob--indigo'), ampX: 30, ampY: 20, speedX: 0.10, speedY: 0.13, phase: 2, mouseStrength: -50 },\r\n    { el: hero.querySelector('.gem-purpose__blob--blue2'),  ampX: 25, ampY: 22, speedX: 0.20, speedY: 0.16, phase: 4, mouseStrength: 90  }\r\n  ];\r\n\r\n  var targetX = 0, targetY = 0;   \/\/ where the mouse wants the blobs to go (-1 to 1)\r\n  var mouseX = 0, mouseY = 0;     \/\/ smoothed value that actually gets applied\r\n\r\n  hero.addEventListener('mousemove', function (e) {\r\n    var rect = hero.getBoundingClientRect();\r\n    targetX = ((e.clientX - rect.left) \/ rect.width - 0.5) * 2;\r\n    targetY = ((e.clientY - rect.top) \/ rect.height - 0.5) * 2;\r\n  });\r\n\r\n  \/\/ Mouse leaves the section \u2192 target returns to center, blobs ease back\r\n  \/\/ into their plain ambient drift.\r\n  hero.addEventListener('mouseleave', function () {\r\n    targetX = 0;\r\n    targetY = 0;\r\n  });\r\n\r\n  function animate(time) {\r\n    var t = time \/ 1000;\r\n\r\n    \/\/ Smoothly chase the target instead of snapping to the cursor \u2014\r\n    \/\/ this is what gives the blobs their soft, trailing feel.\r\n    mouseX += (targetX - mouseX) * 0.04;\r\n    mouseY += (targetY - mouseY) * 0.04;\r\n\r\n    for (var i = 0; i < blobs.length; i++) {\r\n      var b = blobs[i];\r\n      var floatX = Math.sin(t * b.speedX + b.phase) * b.ampX;\r\n      var floatY = Math.cos(t * b.speedY + b.phase) * b.ampY;\r\n      var x = floatX + mouseX * b.mouseStrength;\r\n      var y = floatY + mouseY * b.mouseStrength;\r\n      b.el.style.transform = 'translate(' + x.toFixed(1) + 'px, ' + y.toFixed(1) + 'px)';\r\n    }\r\n\r\n    requestAnimationFrame(animate);\r\n  }\r\n\r\n  requestAnimationFrame(animate);\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac37c19 e-con-full e-flex e-con e-parent\" data-id=\"ac37c19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3610c7a elementor-widget elementor-widget-html\" data-id=\"3610c7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n\r\n<section class=\"gm-el\">\r\n\r\n  <!-- ===== Top navy intro ===== -->\r\n  <div class=\"gm-el__tabbar\">\r\n    <div class=\"gm-el__tabbar-inner\">\r\n      <p class=\"gm-el__eyebrow\">Employers' Liability Insurance<\/p>\r\n      <div class=\"gm-el__intro\">\r\n        <p class=\"gm-el__intro-text\" id=\"gmElIntroText\">Your employees are your greatest asset\u2014and protecting your business from unexpected legal claims is just as important. Geminia Employers' Liability Insurance covers your legal liability under Common Law for compensation, damages, and legal costs if an employee files a lawsuit after suffering a work-related injury or illness caused by employer negligence.<\/p>\r\n        <a class=\"gm-el__cta\" href=\"https:\/\/geminia.co.ke\/dev\/employee-liability-form\/\">Get Quotation<\/a>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- ===== Lower content: details + form ===== -->\r\n  <div class=\"gm-el__body\">\r\n    <div class=\"gm-el__body-inner\">\r\n\r\n      <div class=\"gm-el__details\">\r\n        <p class=\"gm-el__detail-text\">This cover complements your Work Injury Benefits Act (WIBA) policy, providing an extra layer of financial protection against legal claims that go beyond statutory compensation. It cannot be purchased as a standalone policy and must be taken together with WIBA cover.<\/p>\r\n\r\n        <div class=\"gm-el__switch\" role=\"tablist\" aria-label=\"View ideal for, what is covered, or why choose Geminia\">\r\n          <span class=\"gm-el__switch-highlight\" id=\"gmElSwitchHighlight\" aria-hidden=\"true\"><\/span>\r\n          <button type=\"button\" class=\"gm-el__switch-btn is-active\" role=\"tab\" aria-selected=\"true\" id=\"gmElSubTab-ideal\" aria-controls=\"gmElListWrap\" data-sub=\"ideal\">Ideal For<\/button>\r\n          <button type=\"button\" class=\"gm-el__switch-btn\" role=\"tab\" aria-selected=\"false\" id=\"gmElSubTab-covered\" aria-controls=\"gmElListWrap\" data-sub=\"covered\">What Is Covered<\/button>\r\n          <button type=\"button\" class=\"gm-el__switch-btn\" role=\"tab\" aria-selected=\"false\" id=\"gmElSubTab-why\" aria-controls=\"gmElListWrap\" data-sub=\"why\">Why Choose Geminia?<\/button>\r\n        <\/div>\r\n\r\n        <div class=\"gm-el__list-wrap\" id=\"gmElListWrap\" role=\"tabpanel\" aria-labelledby=\"gmElSubTab-ideal\"><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"gm-el__form-card\">\r\n        <h3 class=\"gm-el__form-title\">Request Call Back<\/h3>\r\n\r\n        <form id=\"gmElCallbackForm\" class=\"gm-el__form\" novalidate>\r\n          <div class=\"gm-el__field\">\r\n            <label for=\"gmElName\">Name<\/label>\r\n            <input type=\"text\" id=\"gmElName\" name=\"name\" autocomplete=\"name\" required>\r\n          <\/div>\r\n          <div class=\"gm-el__field\">\r\n            <label for=\"gmElEmail\">Email Address<\/label>\r\n            <input type=\"email\" id=\"gmElEmail\" name=\"email\" autocomplete=\"email\" required>\r\n          <\/div>\r\n          <div class=\"gm-el__field\">\r\n            <label for=\"gmElPhone\">Phone Number<\/label>\r\n            <input type=\"tel\" id=\"gmElPhone\" name=\"phone\" autocomplete=\"tel\" required>\r\n          <\/div>\r\n          <div class=\"gm-el__field\">\r\n            <label for=\"gmElComment\">Comment<\/label>\r\n            <textarea id=\"gmElComment\" name=\"comment\" rows=\"4\"><\/textarea>\r\n          <\/div>\r\n\r\n          <input type=\"hidden\" name=\"cover_type\" value=\"Employers' Liability Insurance\">\r\n\r\n          <button type=\"submit\" class=\"gm-el__submit\">Submit<\/button>\r\n          <p class=\"gm-el__form-status\" id=\"gmElFormStatus\" role=\"status\" aria-live=\"polite\"><\/p>\r\n        <\/form>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<style>\r\n  .gm-el{\r\n    --purple: #393680;\r\n    --sky: #3fa6dd;\r\n    --body-bg: #eef0f4;\r\n    --text-dark: #2c2c34;\r\n    box-sizing: border-box;\r\n    font-family: 'Poppins', sans-serif;\r\n  }\r\n  .gm-el *{ box-sizing: border-box; }\r\n\r\n  \/* ---------- Top navy intro ---------- *\/\r\n  .gm-el__tabbar{ background: var(--purple); }\r\n  .gm-el__tabbar-inner{\r\n    max-width: 1080px;\r\n    margin: 0 auto;\r\n    padding: 44px 24px 40px;\r\n  }\r\n\r\n  .gm-el__eyebrow{\r\n    margin: 0 0 18px;\r\n    font-weight: 600;\r\n    font-size: 13px;\r\n    letter-spacing: 2px;\r\n    text-transform: uppercase;\r\n    color: var(--sky);\r\n  }\r\n\r\n  .gm-el__intro{\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 22px;\r\n  }\r\n  .gm-el__intro-text{\r\n    margin: 0;\r\n    max-width: 100%;\r\n    font-weight: 400;\r\n    font-size: 16px;\r\n    line-height: 1.75;\r\n    color: rgba(255,255,255,0.92);\r\n  }\r\n  .gm-el__cta{\r\n    align-self: flex-end;\r\n    font-weight: 500;\r\n    font-size: 15px;\r\n    color: #ffffff;\r\n    text-decoration: none;\r\n    padding-bottom: 3px;\r\n    border-bottom: 1px solid rgba(255,255,255,0.4);\r\n    transition: border-color 0.25s ease, color 0.25s ease;\r\n    white-space: nowrap;\r\n  }\r\n  .gm-el__cta:hover{ color: var(--sky); border-color: var(--sky); }\r\n  .gm-el__cta:focus-visible{ outline: 2px solid var(--sky); outline-offset: 4px; }\r\n\r\n  \/* ---------- Lower body ---------- *\/\r\n  .gm-el__body{ background: var(--body-bg); padding: 56px 24px; }\r\n  .gm-el__body-inner{\r\n    max-width: 1080px;\r\n    margin: 0 auto;\r\n    display: grid;\r\n    grid-template-columns: 1.15fr 0.85fr;\r\n    gap: 48px;\r\n    align-items: start;\r\n  }\r\n\r\n  .gm-el__detail-text{\r\n    margin: 0 0 26px;\r\n    font-weight: 400;\r\n    font-size: 16.5px;\r\n    line-height: 1.75;\r\n    color: var(--text-dark);\r\n  }\r\n\r\n  \/* Ideal For \/ What Is Covered \/ Why Choose switch *\/\r\n  .gm-el__switch{\r\n    position: relative;\r\n    display: inline-flex;\r\n    background: #ffffff;\r\n    border-radius: 999px;\r\n    padding: 5px;\r\n    box-shadow: 0 6px 18px rgba(30, 20, 70, 0.1);\r\n    margin-bottom: 24px;\r\n    max-width: 100%;\r\n  }\r\n  .gm-el__switch-highlight{\r\n    position: absolute;\r\n    top: 5px;\r\n    left: 5px;\r\n    height: calc(100% - 10px);\r\n    width: 0;\r\n    background: var(--sky);\r\n    border-radius: 999px;\r\n    transition: transform 0.3s cubic-bezier(.4,0,.2,1), width 0.3s cubic-bezier(.4,0,.2,1);\r\n  }\r\n  .gm-el__switch-btn,\r\n  .gm-el__switch-btn:hover,\r\n  .gm-el__switch-btn:focus,\r\n  .gm-el__switch-btn:active,\r\n  .gm-el__switch-btn.is-active{\r\n    background: none !important;\r\n    background-color: transparent !important;\r\n    -webkit-tap-highlight-color: transparent;\r\n  }\r\n  .gm-el__switch-btn{\r\n    position: relative;\r\n    z-index: 1;\r\n    border: none;\r\n    cursor: pointer;\r\n    padding: 12px 20px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 500;\r\n    font-size: 14px;\r\n    color: var(--text-dark);\r\n    border-radius: 999px;\r\n    white-space: nowrap;\r\n    transition: color 0.3s ease;\r\n  }\r\n  .gm-el__switch-btn.is-active{ color: #ffffff; 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Accidents can happen even in the safest workplaces. Purchase Cover Employers&#8217; Liability Insurance Your employees are your greatest asset\u2014and protecting your business from unexpected legal claims is just as important. Geminia Employers&#8217; Liability Insurance covers your legal liability under Common Law for compensation, damages, and legal costs [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-741","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Employee Liability Insurance - Geminia Insurance<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Employee Liability Insurance - Geminia Insurance\" \/>\n<meta property=\"og:description\" content=\"A Safer Workplace Starts with the Right Protection. Accidents can happen even in the safest workplaces. Purchase Cover Employers&#8217; Liability Insurance Your employees are your greatest asset\u2014and protecting your business from unexpected legal claims is just as important. 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