3. Employer's liability
For the purposes of this guarantee, the following definitions shall be used:
Scope of the cover
Overriding any provision to the contrary, the insurer guarantees any civil liability that might correspond to the insured pursuant to current regulations as a result of bodily injuries suffered by workers during the practice of their work.
Scope of the cover in terms of time
This cover shall solely guarantee the financial consequences of any liability that may correspond to the insured due to accidents that occur during the valid term of the insurance policy, providing the insurer is notified of the occurrence of damages during the valid term of the policy or within a period of twelve months following the termination or cancellation thereof.
THE FOLLOWING IS NOT COVERED:
Claims arising from:
a. Events not deemed to be work-related accidents or that are excluded from the cover provided by occupational accident insurance.
b. Workers who have not been registered for compulsory occupational accident insurance.
c. Breaches of work and social welfare obligations, whether contractual or legal, that fall under the competence of social jurisdiction.
d. Accidents suffered by workers while travelling between the place of work and their residence, as well as during the course of any trips they might make for work-related reasons.
e. Indemnities and medical-care expenses for occupational illnesses or for illnesses contracted by the worker as a result of carrying out his job, as well as for heart attacks, thrombosis, cerebral haemorrhage and any other illnesses with similar causes or origins and damages to health caused by tobacco.
f. Liabilities derived from conducts classified as grave violations in a work inspection, as well as fraudulent or repeated breaches of occupational safety and hygiene regulations.
g. Liabilities attributable to contractors and subcontractors not construed as the insured under this policy.
h. Material damage caused to property owned by the workers of the insured business premises.
4. Risks excluded from all guarantees