Statutory Protection for Your Workforce and Business
Workmen Compensation Insurance (under applicable laws) covers an employer’s legal liability towards employees for injury, disability or death arising out of and in the course of employment. It ensures that employees or their families receive due compensation while protecting the employer from bearing the entire financial burden directly.
Coverage for death, permanent and temporary disability as per statute
Protection against legal liability claims from employees
Medical expenses coverage options for workplace injuries
Applicable for workers in factories, construction, logistics and other sectors
Can be extended to cover contractors’ employees (as per policy)
Frequently Asked Questions
Is Workmen Compensation Insurance mandatory?
It’s required as per labour and compensation laws as per WC/ Employees' Compensation Act, 1923
Which employees are covered?
Workers defined under relevant statutes; coverage can be extended to others as agreed.
Does it cover commuting accidents?
Coverage depends on whether the accident is considered “arising out of and in the course of employment.”
Are occupational diseases covered?
Yes, for listed occupational diseases under applicable law and policy terms.
Can contractors’ workers be covered under my policy?
Yes, if specifically included and declared to the insurer.
How is the premium calculated?
Based on employee categories, wages, nature of work and claims experience.
