Statutory Employer Protection

👷 Workmen's Compensation Insurance

Fulfil your legal obligation under the Workmen's Compensation Act and protect your employees from financial hardship due to work-related injuries.

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What Is It?

Understanding Workmen's Compensation Insurance

Workmen's Compensation (WC) Insurance is a statutory requirement under India's Workmen's Compensation Act, 1923 (now the Employee Compensation Act, 2010). It protects employers from financial liability arising from work-related injuries, diseases, or death of employees — while ensuring workers receive fair compensation.

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Key Numbers

Quick facts that matter for your business decision.

3 min

Policy Issuance

30+

Insurer Options

₹500Cr

Claims Settled

10K+

Happy Clients

Coverage Details

What's Covered

☠️

Fatal Accident Compensation

Covers statutory death compensation payable to a deceased employee's dependents as per the Act.

♿

Permanent Disablement

Covers full or partial permanent disability compensation calculated as per the Act's formula.

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Medical Expenses

Covers actual medical treatment expenses incurred by injured employees covered under the policy.

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Employer's Legal Liability

Covers costs of defending against claims filed by employees or their dependents for work-related injuries.

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Common Law Liability

Optional extension covering employer's liability at common law for workplace accidents.

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Contractors & Sub-contractors

Option to extend coverage to employees of contractors and sub-contractors working at your premises.

Who Needs It?

Is This Right for Your Business?

This policy is essential for businesses across these sectors.

🏭 Factories & Plants

🏗️ Construction Companies

🚚 Transport & Logistics

🏪 Retail Businesses

🏠 Domestic Employers

⚓ Marine & Shipping

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FAQ

Common Questions about Workmen's Compensation Insurance

Is Workmen's Compensation mandatory in India? ▾

Yes. The Employees' Compensation Act, 2010 (formerly Workmen's Compensation Act) makes it a legal obligation for employers to compensate employees for work-related injuries, diseases, or death. WC Insurance fulfils this obligation.

Which employees must be covered under WC? ▾

As per the Act, all employees engaged in hazardous occupations listed in Schedule II of the Act must be covered. However, it's advisable to cover all employees. Monthly wages must be declared for accurate premium calculation.

What is the penalty for not having WC insurance? ▾

Non-compliance with the Employees' Compensation Act can attract significant financial penalties, criminal prosecution of the employer/directors, and legal liability to pay unlimited compensation from own funds.