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Workmen's Compensation Insurance

Employee Insurance India

Workmen's Compensation provides cover to target clients as required by law in support to project insurances or property insurances.

Standard Cover

The policy provides cover for any insured employee who may sustain personal injury by accident or disease arising out of and in the course of his employment. The company will indemnify the insured against all sums for which the insured is held liable to pay to his employees under Workmen's Compensation Act, 1923, the Fatal Accidents Act 1855 and at Common Law.
And also, the costs and expenses incurred with the consent of the company in defending any claim for such compensation.

Salient Features

  • Workmen's Compensation Insurance provides for two forms of Insurance:
  • Table A: Indemnity against legal liability for accidents to employees under the Workmen's Compensation Act, 1923, the Fatal Accidents Act 1855 and at Common Law
  • Table B: Indemnity against legal liability under the Fatal Accidents Act 1885 and atCommon law
  • All the employees in the enterprise, as per the provisions of W.C. Act are to be insured
  • In case of public bodies where employees can be covered section wise or unit wise, or in the case of a risk where the employees are covered under ESI act 1948, Table B cover can be issued for employees not falling under the definition of Employee as per WC Act 1923 as amended
  • The policy is adjusted on the basis of the actual wages at the end of the policy period


Principal Exclusions

  • Any injury by accident or disease directly attributable to war invasion and like perils
  • Liability towards the contractor's employees
  • Any liability attached due to an agreement, which would not have attached in the absence of that agreement
  • Any sum which the insured would have been entitled to recover from any party but for an agreement between the insured and party


Extra Covers on payment of Additional Premium

  • Contractors employees can be covered by charging additional premium:
  • Tariff rate on total contract amount, if the contract is for labour only
  • If the contract is for labour and materials, labour value shall be ascertained as per merits subject to a minimum of 75% of the contract amount.
  • Where the contract includes equipments also minimum percentage shall be 50% of the contract amount
  • Occasional domestic servants for house, garden or stable Charging can be covered at additional premium of 25% of the premium charged for permanent servants
  • Table A may be extended to cover costs of medical, surgical & hospital expenses incurred by the insured for an additional premium as specified in the tariff

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