An employer, through negligence may be liable to its employees at law for injuries, disease or death inflicted in the course of their employment. Under common law, there is no limit in quantum, and each case is assessed on its merit.

The Injuries Compensation Act of 1990 of the Gambia has strict liability for employers in respect to certain categories of employees, whereby regardless of negligence, the employer is obliged to provide compensation to the employee who gets injured in the course of the performance of their work up to specified limits. An Injuries Compensation Fund has been created to cater for obligations under this Act.

The coverage we provide is therefore a "bridging" one and at is to provide for the gap between the limits under the statutory coverage and the much greater liability that may arise under common law.