Workmen’s Compensation & Employer’s Liability
Get a Quotation
Please provide the following documents to get a quotation:
- Completed Brokerage of Record filled, signed and stamped
- Copy of Commercial Registration
- A completely filled Proposal Form, signed and stamped
- Loss record for the past three years
Workmen's Compensation Insurance is designed to protect employers against liabilities to employees who get injured in the course of their employment.
Risks Covered
- Occupational Death
- Permanent Disability (Percentage of Death benefits as per the specified scale)
- Loss of wages (cash allowance)
- Medical Expenses
In addition to basic Workmen's Compensation cover, an employer can get insured against claims made by employees under the Law up to a limited amount of indemnity (Employers Liability Insurance).
Extensions
- Accidents occurring within territorial limits but outside duty hours in line with benefits payable under the Labor Law
Exclusions
- Any injury which does not result in fatality or partial disablement for a period exceeding 3 days
- Influence of alcohol or drugs
- Willful disobedience of an order for securing safety to the workman
- Willful removal or disregard of a safety guard device
- War group and nuclear group of perils
- Liability of the Insured assumed under an agreement
- Occupational Diseases
