Class: Senior Secondary School 2 (SS2 / SSS 2)
Term: Second Term
Week: 10
Age: 16 years
Duration: 45 minutes
Subject: Insurance
Curriculum Theme: Business Studies / Commerce
Previous Lesson: Business Interruption Insurance: Fire Incidence and Consequential Loss.
Topic: Employer’s liability insurance (cont)
Subject Matter: Perils covered under employer’s liability insurance, workman compensation policy (meaning, application), cover and benefits available

Specific Objectives

By the end of the lesson, pupils should be able to:

Cognitive Domain:

Define Workman Compensation Policy.
State the perils covered under Employer’s Liability Insurance.
List the benefits available under Employer’s Liability Insurance.

Affective Domain:

Appreciate the importance of employer’s liability insurance for both employers and employees.
Show willingness to learn more about insurance policies.

Psychomotor Domain:

Identify situations where employer’s liability insurance claims can be made.
Discuss the application of the Workman Compensation Policy.

Participate actively in discussions about employer’s liability and workman compensation.

Reference Materials

The following resources were used in planning this lesson:

Senior Secondary Schools Education Curriculum
State Unified Scheme of Work
Comprehensive Insurance for Senior Secondary Schools by [Author/Publisher, e.g., O. A. Adebisi]
Chart showing different types of insurance policies
Journals on insurance law

Instructional Materials

The teacher will teach this lesson with the aid of:

A chart illustrating perils covered by employer’s liability insurance.
Computer with internet access for relevant case studies.
Insurance journals and textbooks.

Rationale for the Lesson

This lesson helps pupils understand the protection employer’s liability insurance offers to employees in case of workplace injuries or illnesses. It enables them to know the specific risks covered and the benefits employees can receive, which is important for their future roles as employees or employers.

Prerequisite/Previous Knowledge

Pupils have prior knowledge of the basic concept and importance of employer’s liability insurance.

Lesson Content/Board Summary

Employer’s Liability Insurance (Continued)

Perils Covered Under Employer’s Liability Insurance

Employer’s Liability Insurance covers the employer’s legal liability to pay compensation to employees for bodily injury or disease arising out of and in the course of their employment.

The following are common perils covered:

Accidents: Injuries sustained by employees due to accidents at the workplace.
Occupational Diseases: Illnesses contracted by employees as a direct result of their work environment or duties.
Negligence: Liability arising from the employer’s negligence in providing a safe working environment or proper tools.
Breach of Statutory Duty: Failure by the employer to comply with safety regulations and laws, leading to employee injury.

Workman Compensation Policy

A Workman Compensation Policy is a type of insurance that provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue the employer for negligence.

Application:

It is typically a statutory requirement in many countries, including Nigeria (Workmen’s Compensation Act).
It ensures that employees receive compensation regardless of fault, simplifying the claims process.
It protects employers from potentially large common law claims for damages.

Cover and Benefits Available Under Employer’s Liability Insurance

The policy provides various benefits to employees who suffer injury or illness arising from their employment.

The following are typical benefits:

Medical Expenses: Reimbursement for hospital bills, doctor’s fees, medication, and rehabilitation costs.
Loss of Earnings/Income: Compensation for wages lost due to temporary or permanent incapacity to work.
Permanent Disablement Benefits: Lump sum payments or regular pensions for employees who suffer permanent partial or total disablement.
Death Benefits: Payments to the dependents of an employee who dies as a result of a work-related injury or illness.
Funeral Expenses: Coverage for the costs associated with the burial of the deceased employee.

Claim Situations/Procedures

When an employee suffers a work-related injury or illness, a claim is made against the employer’s liability policy.

Typical steps in a claim situation include:

Notification: The employee or employer notifies the insurer promptly about the incident.
Investigation: The insurer investigates the circumstances of the injury/illness.
Documentation: Medical reports, incident reports, and witness statements are gathered.
Assessment: The insurer assesses the claim based on the policy terms and relevant laws.
Payment: Compensation is paid to the employee or their dependents if the claim is valid.

Teaching Methods/Instructional Techniques

Discussion, Lecture, Demonstration, Question and Answer, Visual Aids

Instructional Procedures

Step 1: Introduction

Time: 5 minutes
Teaching Skill: Set Induction
Teacher’s Activity: The teacher greets the pupils and reviews the previous lesson on the general meaning and importance of employer’s liability insurance. The teacher then introduces today’s topic, “Employer’s Liability Insurance (cont),” stating that the lesson will focus on specific perils, the workman compensation policy, and available benefits.
Pupils’ Activity: Pupils respond to greetings, recall key points from the previous lesson, and listen attentively to the introduction of the new topic.
Learning Point: Pupils connect new learning with previous knowledge and understand the focus of the lesson.

Step 2: Explanation of Perils Covered

Time: 7 minutes
Teaching Skill: Explanation/Illustration
Teacher’s Activity: The teacher explains the specific perils covered under employer’s liability insurance, such as accidents, occupational diseases, negligence, and breach of statutory duty, using the chart for illustration.
Pupils’ Activity: Pupils listen, take notes, and ask questions for clarification regarding the types of perils covered.
Learning Point: Pupils understand the specific risks against which employers are insured.

Step 3: Explanation of Workman Compensation Policy

Time: 7 minutes
Teaching Skill: Definition/Application
Teacher’s Activity: The teacher defines the Workman Compensation Policy, explaining its meaning and statutory application in Nigeria. The teacher highlights its importance for both employees and employers.
Pupils’ Activity: Pupils listen, define the policy in their own words, and discuss its application in real-life scenarios.
Learning Point: Pupils grasp the concept and legal significance of the Workman Compensation Policy.

Step 4: Discussion on Benefits Available

Time: 7 minutes
Teaching Skill: Enumeration/Discussion
Teacher’s Activity: The teacher leads a discussion on the various covers and benefits available under employer’s liability insurance, such as medical expenses, loss of earnings, permanent disablement, and death benefits.
Pupils’ Activity: Pupils identify and list the different benefits, contributing to the discussion with examples where possible.
Learning Point: Pupils understand the financial and medical support provided by the policy.

Step 5: Illustrate Claim Situations

Time: 7 minutes
Teaching Skill: Problem-Solving/Case Study
Teacher’s Activity: The teacher presents simplified examples of claim situations, guiding pupils through the steps an employee would take to make a claim and what the policy would cover. The teacher emphasizes the importance of proper documentation.
Pupils’ Activity: Pupils analyze the examples, ask questions about the claim process, and suggest possible outcomes.
Learning Point: Pupils gain practical insight into how claims are processed under the policy.

Step 6: Recap

Time: 5 minutes
Teaching Skill: Summarization
Teacher’s Activity: The teacher quickly reviews the main points of the lesson, asking pupils to summarize what they have learned about perils, workman compensation, and benefits.
Pupils’ Activity: Pupils volunteer to summarize the key concepts discussed during the lesson.
Learning Point: Pupils reinforce their understanding of the lesson content.

Step 7: Evaluation/Review

Time: 5 minutes

Teaching Skill: Questioning/Assessment

Teacher’s Activity: The teacher evaluates the learning by asking the following questions:

Define Workman Compensation Policy.
State three perils covered under Employer’s Liability Insurance.
List three benefits an employee can receive under an Employer’s Liability Insurance policy.

Pupils’ Activity: Pupils answer orally and in writing.

Learning Point: Pupils demonstrate understanding of the lesson.

Step 8: Conclusion

Time: 2 minutes
Teaching Skill: Closure
Teacher’s Activity: The teacher concludes the lesson by reiterating the critical role of employer’s liability insurance in protecting both employees and employers in the workplace. The teacher assigns homework, asking pupils to research the “No-Fault” principle in Workman Compensation policies.
Pupils’ Activity: Pupils listen to the conclusion and copy down the homework.
Learning Point: Pupils reflect on the overall importance of the topic and prepare for further study.

Lesson Keywords

Employer’s Liability Insurance – Insurance that covers an employer’s legal liability for injuries or diseases sustained by employees during employment.
Perils – The specific risks or causes of loss covered by an insurance policy.
Workman Compensation Policy – A policy that provides benefits to employees for work-related injuries or illnesses, typically in exchange for their right to sue the employer.
Occupational Diseases – Illnesses resulting from exposure to hazards in the workplace.
Claim – A formal request made by an employee or employer to an insurance company for payment under the terms of the policy.

Differentiation

For pupils who grasp concepts quickly, the teacher can encourage them to research specific case studies related to employer’s liability claims in Nigeria. For those who need more support, the teacher will provide simplified definitions and additional examples, or pair them with peers for collaborative learning and discussion.

Note for teachers using this lesson plan

Teachers should ensure they use clear, practical examples from the Nigerian context to make the lesson relatable. Visual aids such as charts or diagrams illustrating different perils and benefits will enhance understanding. Encourage pupils to share any personal experiences or knowledge they have regarding workplace safety and insurance to foster engagement.