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Putting your Employees First

Workmen Compensation Insurance Policy

Features & Benefits

  • Requirements


    The start and growth of all small to big firms is based on their employees and the work that they deliver. Among the many factors that drive the functionality of your employees, their safety and security plays a major role. With mishaps being part and parcel of the workplace, it is only natural that the Employer assists the employee by compensation for the loss.

  • Benefits


    An Employees Compensation Policy has been devised with a view to assist you in taking care of your employees if any unfortunate incident were to ever arise. Under the Employees Compensation Act, 1923 and its ensuing amendments along with the common law, this policy covers physical injury and death resulting from an accident due to and during the employment.

  • Scope of Cover

    Scope of Cover

    Adhering to what's prescribed in the Employees Compensation Act, this policy protects the insurer against their obligations as employers, for injuries caused to the employees at the workplace. With the payment of an extra premium, the coverage gets extended to surgical, medical and hospital expenditures, including transportation expenses to the hospital.

  • Insurable Wages

    Insurable Wages

    The insurable wages to be paid to the employees serve as the base of premium calculation, and must be stated for the chosen policy period.

  • Premium


    The sum of the premium depends on factors like the kind of work, category of employee and the amount that has been insured.

Please read the policy wordings. for more information.*Terms & Conditions apply.


Any employer, contractor or principal that appoints or involves employees as stated in the Employees Compensation Act, or shares an employer-employee relation is eligible to buy this policy.

The insurance policy that we provide protects you against any obligations that you may have as an employer for the physical injury or death caused to your employee due to or during the employment.

However, on payment of an extra premium, you get to attain coverages like

  • Medical expenditures, including that of surgical and transportation to the hospital, occurring during the employment for those who are covered under the policy.
  • Obligations towards the employees of contractors

This is not an exhaustive list. For a detailed list of inclusions & other details, please read the policy wordings.

The risks that may not be covered under the policy include

  • Incapacity or death of an employee arising from his/her purposeful self-injury or purposeful intensification of an accidental injury
  • Any mishap arising when the employee is under the influence or a drug or intoxicant of any kind
  • Obligation of the insured assumed under an agreement
  • Obligation to the employees of contractors of the insured (unless stated precisely)
  • Interest and/or penalty imposed on the Insured under any law or otherwise
  • War, terrorism and nuclear incidents

This is not an exhaustive list. For a detailed list of exclusions & other details, please read the policy wordings.

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