Employers Liability Insurance

No. Health Insurance pays for hospital bills for any illness. Workmen’s Compensation is a legal liability policy that pays specific amounts (as per a government formula) for death or disability that happens only during work hours.

Certain jobs lead to long-term illnesses (like Silicosis in mines or hearing loss in noisy factories). In India, the Act lists specific “Occupational Diseases,” and if an employee develops one, this insurance covers the compensation.

Usually, no. In India, the injury must occur “in the course of employment.” However, if the employer provides the transport (like a company bus), then an accident during the commute is covered.

In India, the “Principal Employer” is often held liable for injuries to a sub-contractor’s laborers. You can (and should) extend your policy to cover contractual staff to avoid being personally sued for their injuries.

Yes. If an employee’s family takes the matter to the Labour Court or a Commissioner, the policy covers the lawyer’s fees and the cost of defending the case.

Insurers in India require an official Wage Record (like a Payroll or Attendance Register) to settle a claim. If an employee is not on your official records, the claim will likely be rejected.

Certain jobs lead to long-term illnesses (like Silicosis in mines or hearing loss in noisy factories). In India, the Act lists specific “Occupational Diseases,” and if an employee develops one, this insurance covers the compensation.