When a daily worker briefly hired at a construction site, logistics, moving, cleaning or event is injured at work, it covers the damages liability the employer bears under the Civil Act. Used at sites outside industrial-accident scope, or as supplementary cover.
N2N Insurance Brokerage does not represent any single insurer — it independently represents the client as an FSS-registered broker (Reg. No. 2026-012201). We compare the wordings, rates and service of AIG · Chubb · DB · Hyundai · KB · Meritz to propose the cover and price best suited to your risk. Each insurer's full wording is provided at application and binding.
When a daily worker briefly hired at a construction site, logistics, moving, cleaning or event is injured at work, it covers the damages liability the employer bears under the Civil Act. Used at sites outside industrial-accident scope, or as supplementary cover.
Site labourers, electrical, papering.
Short-term hire.
Part-time, event.
| Policy period | 1 year or works/hire period |
|---|---|
| Insurers | AIG · Chubb · DB · KB · Meritz · Hyundai (compared) |
| Limit | Death / disability / injury by accident type |
| Turnaround | 2–4 business days |
| Channel | Individual consultation with our broker (010-5755-6465) |
If the insured event has already occurred at the time the contract is made, the contract is void. However, where the contract is void due to the company's intent or negligence, or where the company knew or could have known of the nullity before acceptance yet did not refund the premium, the company refunds the premium with interest at the policy-loan rate published by the Korea Insurance Development Institute, compounded annually, for the period from the day after payment to the day of refund.
The specific losses not covered (exclusions) are set out in each insurer's policy wording and product description; on this page, see the “Cover” tab(or the “Losses not covered” section) for the main exclusions. For other cover-specific grounds on which claims are not paid, please refer to the policy wording.
The company provides cover, in accordance with the policy, from the time it accepts the application and receives the first premium. Where the company accepts the application after receiving the first premium with it, cover also begins from the time the first premium was received.
The application must be completed by the policyholder, and the policyholder and the insured must sign it by hand. Failure to sign by hand may result in disadvantages regarding the validity of the contract. On an internet cyber-mall, an electronic signature may be used instead.
The policyholder has the right to be given and have explained the information needed about the product they wish to buy.
The insurer and N2N Insurance Brokerage must explain the important matters of the product to ordinary financial consumers.
When applying, the policyholder, the insured or their agent must disclose truthfully the facts they know regarding the questions in the application (including the questionnaire). Otherwise the claim may be declined or the contract cancelled. Where insurance is taken out by telephone or other means of communication, the duty is performed by answering the seller's questions, which are recorded, without a separate written questionnaire, so answers must be given with particular care.
If, after the contract is made, any of the following arises in respect of the subject-matter insured, the policyholder or the insured must notify the company in writing without delay and obtain endorsement on the policy.
The surrender value is the amount paid if the contract is cancelled early. Unlike bank savings, insurance combines risk protection and savings: part of the premium is paid out as claims to other policyholders who suffer accidents, and part covers the insurer's operating expenses, so the surrender value on early cancellation may be less than the premiums paid, or nil.
Under Article 59-4(1) of the Income Tax Act (special tax credit), for protection-type insurance taken out by an employee only, a tax credit of 12% of the premium paid (capped at KRW 1 million per year) is available. Tax matters may change with amendment or repeal of the relevant tax law.
Except as provided by law, the insurer and N2N Insurance Brokerage do not collect, use, inspect or provide personal data related to this contract — for its conclusion, maintenance and claim payment — without the consent of the policyholder, the insured or the beneficiary. However, for those purposes the insurer may, with the consent of the policyholder and the insured and in accordance with law, provide personal data to other insurers and insurance-related bodies.
The above is a summary and excerpt of the policy wording; for grounds on which claims are not paid and other details, please refer to the policy wording and product description.
Risk patterns that come up often at a site — a five-scenario self-check
Construction, transport and services hiring daily workers carry high occupational-accident risk.
A main contractor often requires a workers'-accident policy from a subcontractor.
In a main/sub relationship, liability apportionment for a worker accident is complex, so the wording must suit the structure.
A single fatal accident's consolation money and lost earnings can reach hundreds of millions of won.
Sites with frequent short-term hire also bear employer liability for occupational accidents.
It is easy to think the industrial-accident benefit settles a daily worker's accident, but it pays only statutory amounts within limits. When a daily worker had a fall accident at a construction site causing serious injury, the industrial-accident insurance first paid recuperation, absence and disability benefits, but the worker additionally claimed civil damages — consolation money and extra lost earnings — from the employer. Under this wording the damages liability for the part exceeding the industrial-accident benefit was reviewed, with the site's safety-management system and the protective-equipment issue records central to the liability assessment. A case showing that the industrial-accident + this-wording combination is the standard cover at sites with a high daily-worker share.
Source: (General industry example)
The wording and structure points decision-makers most often overlook
Industrial-accident insurance compensates the worker directly within statutory limits, but where the worker claims civil damages (consolation money, extra lost earnings) from the employer, the part exceeding the industrial-accident benefit is the employer's own burden. This wording covers that area.
In a main/sub relationship, liability apportionment between principal and subcontractor for a worker accident is complex. The principal-liability cover scope differs by wording, so a wording suited to the business structure is essential, and the reinforced principal duty under the Occupational Safety and Health Act should be considered.
A single fatal accident's consolation money and extra lost earnings can reach hundreds of millions of won, so design the limit conservatively on the fatal-accident basis. Construction and high-risk sectors are recommended to review a higher limit and a cumulative limit for multiple accidents.
The questions decision-makers ask most when considering daily workers' accident liability insurance
For occupational accidents at sites employing daily workers — construction, transport, services — it covers the employer's additional damages liability (civil) beyond the industrial-accident benefit. Industrial-accident insurance has set statutory limits and often cannot cover the full actual loss of a single accident, so it is close to essential in practice for the employer's protection.
Industrial-accident insurance is the statutory benefit paid directly to the worker (recuperation, absence, disability benefits); this wording covers the additional damages (consolation money, extra lost earnings) the worker claims from the employer beyond the industrial-accident benefit. The two areas are separated.
Daily and short-term workers are workers under the Labour Standards Act, so they are within industrial-accident insurance, and the employer bears additional liability risk beyond it. This wording is a core tool of employer-liability cover at sites with a high daily-worker share (construction, transport, cleaning).
Damages liability exceeding the industrial-accident benefit for an occupational accident (fall, overturn, machine entrapment, traffic accident) and occupational disease (industrial disease, death from overwork) is usually the cover area. Death-accident consolation money and the extra lost earnings on a disability accident are the core.
A worker accident on the premises is the industrial-accident + this-wording area, while an accident to an outsider (customer, visitor) on the premises is a separate commercial/facility (CGL) area. In a main/sub-contract relationship the wording applied differs by the principal/sub apportionment, so the business structure should be reviewed at enrolment.
The consolation money and extra lost earnings of a single fatal accident can reach hundreds of millions of won, so a sufficient limit on the fatal-accident basis is recommended. Construction and high-risk sectors need a more conservative limit review, and the limit/deductible options differ by insurer.
The insurer assesses it on the sector (construction, transport, manufacturing, service), worker numbers, daily-worker share, work-risk grade, safety-management system and past accident history. The exact premium and acceptance are confirmed after underwriting by insurers such as AIG, Chubb, DB, KB, Meritz and Hyundai.
