Employers Liability Insurance (Workmen's Compensation)

The Indian Workmen's Compensation Act 1923 provides for the payment of Compensation by an employer to his employees (or their dependents in the event of fatal accidents) if personal injury is caused to them by accidents arising out of and in the course of their employment.

Quantum of compensation payable is calculated as per the Act and is a factor of the following:

  • age of the individual
  • nature of disability
  • last drawn salary

Liability imposed upon the Insured Entity under the Act can be covered by the Workmen’s Compensation policy which covers statutory liability of an employer for the Death of or Bodily Injuries or Occupational Diseases sustained by workmen arising out of and in the course of employment.

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