Workmen Compensation Insurance
Statutory Employer Liability Protection for Factory, Construction & Site Workers
In an increasingly global work environment, employee rights have rapidly moved forward. Workmen Compensation Insurance is the primary method by which an employer demonstrates the ability to satisfy obligations imposed by worker compensation statutes set out in the Workmen Compensation Act of India, monitored by the Ministry of Labour.
The policy covers statutory liability of an employer for death, bodily injuries, or occupational diseases sustained by workmen in immediate service arising out of and in the course of employment under the Workmen’s Compensation Act 1923, Indian Fatal Accidents Act 1855, and Common Law.
Workmen Compensation Insurance Details & Add-On Covers
Statutory Framework & Applicability
- * Workmen's Compensation Act, 1923 (and subsequent amendments)
- * Indian Fatal Accidents Act, 1855 (and subsequent amendments)
- * Common Law Employer Liability Protection
- * Employer's Liability for bodily injury within scope of employment
- * Covers employees who do not qualify as "workmen" but share employer-employee relationship
Plan Coverage & Medical Extensions
- * Death Compensation to Legal Heirs
- * Permanent Total Disablement Indemnity
- * Permanent Partial Disablement Indemnity
- * Temporary Disablement Compensation Payouts
- * Legal costs and expenses incurred with company's consent
- * Extension: Actual medical, surgical and hospital expenses including transport cost to hospital
Key Benefits & Highlights
What Is Covered Under Workmen Compensation Insurance
- Fatal Workplace Accidents Arising Out of & in Course of Employment
- Permanent Total or Partial Disability from Factory Machinery
- Occupational Diseases Sustained in Hazardous Industrial Work
- Emergency Hospitalization, Surgery & Ambulance Transport Costs
- Legal Defense Attorney Fees in Labour Court Proceedings
Why Choose Dattani Insurance for Workmen Compensation Insurance?
With over 20 years of risk management experience led by Chief Insurance Advisor Jay Dattani (United India Insurance Co. Ltd.), we prioritize honest, need-based advising over selling generic policies. We guide you through policy comparison, optimal sum insured valuation, and dedicated claim settlement assistance.
Frequently Asked Questions
Which laws govern Workmen Compensation Insurance in India?
It covers statutory employer liability under the Workmen's Compensation Act 1923, Indian Fatal Accidents Act 1855, and Common Law.
Are medical and hospitalization costs covered for workplace injuries?
Yes, policy extensions cover actual medical, surgical, and hospital expenses including transport cost to hospital for accidental employment injuries.
