As a property company, should we choose employer liability insurance or group accident insurance?

It is suggested to choose employer liability insurance to effectively transfer the employment mode of enterprises from the perspective of employers' interests, covering death and disability compensation, lost time, sudden death responsibility, occupational diseases and other responsibilities.

After choosing the employer's liability insurance, when a work-related injury occurs, the insurance company directly pays the enterprise, and then the enterprise pays the employee, which shifts the compensation responsibility of the enterprise and greatly reduces the employment risk.

Group accident insurance liability only includes accidental death and disability compensation liability, which belongs to a kind of employee welfare. Employees who have suffered accidental injuries in the course of work still have the right to claim compensation from their employers after receiving compensation according to group insurance.