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COMMERCIAL INSURANCE

Employees Compensation Insurance

Providing a safe and healthy working environment to employees is one of the most important responsibility of a company. In an unfortunate event of an Employee suffering a bodily injury (temporary or permanent), or death during the course of employment, Employer is legally liable to pay compensation to the Employee under the Employee’s Compensation Act 1923 and subsequent amendments of the said Act and at Common Law.

Employees compensation insurance provides protection to the employer against this liability

What’s Covered

  • Basic coverage provided under the policy protects employer from liability for death or disablement of employee under the Employees Compensation Act and Common Law.

  • Coverage for Occupational Diseases, Coverage for Contractors Workers/ Employees, Coverage for Medical Expenses.

What's Not Covered
  • Any injury which does not result in fatality or partial disablement for a period exceeding 3 days

  • The first 3 days of disablement where the total disablement is less than 28 days

  • Any non-fatal injury caused by any accident directly attributed to Influence of drinks 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 to employees of contractors of the Insured (unless separately declared and covered)

  • Liability of the Insured assumed under an agreement

  • Occupational Diseases.

  • Willful disobedience of an order for securing safety to the workman


Disclaimer The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.

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