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Part E: Local Development, Labour, Health and Safety - 42. Occupational Health and Safety | 42.6 Insurance Coverage

Given that mining activities are largely conducted in labour-intensive and high-risk environment, insurance coverage becomes fundamental to the management of risk on site. It is therefore important that mining laws require license holders to obtain adequate insurance to cover on-site personnel and property with respect to health and safety risks.

42.6 Example:

Article [_]

(1) Mining rights licence holders must show proof of insurance coverage prior to the start of operations. At minimum, insurance coverage should cover risks including:

(a) damage to mining sites

(b) third party liability

(c) occupational accidents suffered by personnel on the mining site; and

c) health and life insurance for all employees.


Inspired by language from Angola’s mining law (2011) and Sierra Leone’s mining law (2009), this provision requires mining rights licence holders to have insurance against risks, in particular to cover occupational accidents suffered during the course of mining operations and coverage for health and life insurance of employees. Ideally, proof (or a plan to obtain) insurance coverage should be submitted to the regulating authority during the application process for the mining licence.