top of page
Stormy Beach

Workmen’s Compensation Insurance Protect your workers under a single policy

Any firm or employer, a contractor who employs workmen as defined in the W.C. Act 1923 can buy the workmen compensation insurance policy. This insurance cover provides legal liability coverage and also helps in easing the financial burden on employees and employers. In India, for all manufacturing units with more than 20 employees, having a Workmen's Compensation Insurance is mandatory to have insurance benefits for workers or employees as per the Employees' State Insurance Act, 1948

What is difference between WC policy and ESIC?
Definition. Workmen compensation policy (WC) is an unnamed insurance policy to protect employers against the statutory liabilities towards employees in case of workplace accidents or death. Meanwhile, employees state insurance (ESIC) is an integrated social insurance scheme.

What is Workmen’s Compensation?
The Workmen’s Compensation Insurance policy covers the legal liability of the employers under the Workmen’s Compensation Act 1923 and Fatal Accident Act 1855. Despite the preventive measures and safety precautions taken, accidents at your workplace are inevitable. The Workmen’s Compensation policy enables the employer to pay the compensation to the employees or for their family in case of death or bodily injury (permanent partial disablement / permanent total disablement / temporary disablement) caused due to injury and accident at workplace (including certain occupational disease) arising out of and in the course of employment. This policy provides coverage for medical expenditure, occupational disease, compressed air disease and terrorism.

In the forest
A Man Welding

The Workmen’s Compensation policy provides payment for legal compensation to Employees or their dependants in case of injury and accident of the employees at workplace (including certain occupational disease) arising out of and in the course of employment and resulting in disablement or death.

Basic covers include Accidental death, Permanent total or Partial Disability and Temporary total disability. Add on covers include Medical Extension, Compressed Air Disease, Occupational Disease, Terrorism and Sub Contractor Coverage

Addon covers are provided in Workmen Compensation policy?


  •     Occupational Disease

  •    Compressed Air Disease

  •    Contractor /Sub Contractor Coverage

  •    Terrorism Cover
  •    PAN India Location Coverage

  •    Medical Expenses (Per Employee Limit)

  •    Cashless for Medical Expenses

"Permanent total disablement" means such disablement of a permanent nature as incapacitates an employee for all work which he was capable of performing at the time of the accident resulting in such disablement.
List of disablements is specified in the Workmen compensation Act.

Permanent partial disablement" means, where the disablement is of a permanent nature, such disablement as reduces the earning capacity of an employee in every employment which he was capable of undertaking at the time of the accident resulting in the disablement.
List of disablements is specified in the Workmen compensation Act.

"Temporary disablement" means a condition resulting from an employment injury which requires medical treatment and renders an employee, as a result of such injury, temporarily incapable of doing the work which he was doing prior to or at the time of the injury.

Exclusions of Workers' Compensation Policy

  • Willfull disobedience of safety rules

  • Accidents caused due to the consumption of alcohol or drugs

  • Injuries caused outside the office premises

  • Accidents involving non-workers

bottom of page