Is my employer required to have insurance covering workplace injuries in Malta?

Yes, employers' liability insurance is a compulsory class of insurance in Malta, meaning your employer is legally required to hold this coverage rather than it being purely discretionary, reflecting the framework connected to the Insurance Business Act, Chapter 403 of the Laws of Malta, alongside broader occupational health and safety obligations employers owe their staff, and this insurance is specifically designed to cover an employer's liability for injuries or illness suffered by employees arising from their employment. If you were injured at work and your employer either did not hold the legally required insurance, or is disputing liability in a way you believe is inconsistent with their obligations, this is a serious matter, since operating without this mandatory coverage would itself put your employer in breach of Maltese insurance and employment law, separate from any underlying liability for the injury itself. If you've suffered a workplace injury, it would be important to properly document the incident, seek appropriate medical attention, and consult a lawyer promptly to understand both your rights regarding compensation for the injury itself and to confirm your employer's compliance with their mandatory insurance obligations, since these are both relevant to ensuring you receive proper support and compensation.