Protect Workers, Protect Your Business!
Comprehensive workmen compensation insurance for Indian employers and contractors. Get protection against workplace injury liabilities with coverage that understands worker safety is business priority—and legal obligation.
When Accidents Happen at Work, We Handle the Legal Work!
- India's top general insurers, workplace-tested protection
- Complete Coverage, Hiring to Healing
- WC Insurance Made Simple, Expert Compliance Shield
- Every Worker Protected, Every Liability Covered
Workmen Compensation Insurance
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What is Workmen Compensation Insurance
Workmen Compensation: Your Legal Liability’s Safety Net!
Think of workmen compensation insurance as having a legal shield that automatically activates whenever workplace accidents happen! It’s comprehensive protection covering employer’s statutory liability under the Employees’ Compensation Act, 1923 for employee injuries, disabilities, or deaths arising from workplace accidents.
Whether you’re running construction sites, factories, or logistics operations, WC insurance ensures that when unfortunate accidents occur, your workers get compensated and your business doesn’t get bankrupted. It’s like having an emergency fund specifically for workplace mishaps—legally compliant and financially essential!
Why Is This Policy Vital for Employers
Because One Workplace Accident Can Cost More Than Annual Profits!
Under the Employees’ Compensation Act 1923, employers are legally liable to compensate injured workers—death compensation is ₹1.2 lakh minimum (50% of monthly wages × relevant factor, whichever is higher); permanent total disability is ₹1.4 lakh minimum (60% of wages × factor). A single factory accident involving 5 workers can trigger ₹20-30 lakh liability! WC insurance is the difference between “unfortunate incident” and “business closure notice.” It’s survival insurance for employers!
Who Needs Workmen Compensation Insurance?
Manufacturing & Factories
Industrial operations with machinery, assembly lines, and production processes face high workplace accident risks requiring mandatory WC coverage.
Construction & Contractors
Building sites, infrastructure projects, and construction activities involve hazardous work requiring comprehensive worker injury protection.
Logistics & Warehousing
Material handling, loading-unloading operations, and warehouse work create injury risks needing statutory compensation coverage.
Mining & Extraction
Underground mining, quarrying, and mineral extraction operations face extreme workplace hazards requiring enhanced WC protection.
Plantations & Agriculture
Commercial farming, tea estates, and agricultural operations with manual workers need WC coverage under the Act.
Security & Facility Services
Security guards, housekeeping staff, and facility management workers require employers' liability coverage for workplace injuries.
Types / Add-ons Commonly Offered
Basic WC Policy
Statutory compensation under Employees' Compensation Act
WC with Medical Extension
Additional medical expense coverage (up to ₹25,000-₹1 lakh)
WC with Occupational Disease Cover
Coverage for work-related illnesses and diseases
Contractual Liability Extension
Coverage for contractors and subcontractors
Foreign Workers Cover
Extended coverage for Indian workers employed abroad
Common Law Liability
Enhanced cover beyond statutory limits
What Workmen Compensation Insurance Covers
Accidental Death
Permanent Total Disability
Permanent Partial Disability
Temporary Disability
Medical Expenses
Occupational Diseases
Transportation Costs
Legal Defense Costs
Contractual Liability
Funeral Expenses
Dependent Compensation
Rehabilitation Costs
Inclusions & Exclusions
Inclusions
Death Compensation
50% of monthly wages × relevant factor OR ₹1.2 lakh (whichever is higher) payable to dependents
Permanent Total Disability
60% of monthly wages × relevant factor OR ₹1.4 lakh (whichever is higher) for complete inability to work
Permanent Partial Disability
Proportionate compensation based on disability percentage as per Schedule I of the Act
Medical Expenses
Actual hospitalization and treatment costs (if medical extension cover is opted)
Legal Defense Costs
Expenses for defending compensation claims in labor courts and tribunals
Exclusions
Willful Disobedience
Injuries from deliberately ignoring safety rules and regulations excluded
Intoxication
Accidents occurring when worker is under influence of alcohol or drugs excluded
Outside Employment Scope
Injuries occurring outside workplace or working hours typically excluded
War & Civil Unrestl
Injuries during war, riots, and civil commotion usually excluded
Pre-existing Conditions
Disabilities and diseases existing before employment not covered under standard policies
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Yes! Mandatory for employers in Schedule II industries (factories, construction, mining, etc.) under Employees' Compensation Act 1923!
Yes! Both permanent and contractual workers must be covered. Principal employer remains liable—better to insure!
ESI applies to establishments with 10+ employees earning up to ₹21,000/month; WC covers ALL workers in specified industries!
Based on total wages, industry risk category, and number of workers. High-risk industries = higher premiums!
With occupational disease add-on, yes! Standard policies may exclude; check policy wording for inclusions!
No! Worker claims from employer; employer gets reimbursed by insurance. Employer remains legally responsible!
Customers Says..
Mr. Vikram Contractor (Contractor, Mumbai)
Mr. Suresh Reddy (Factory Owner, Coimbatore)
Ms. Priya Sharma (Logistics Director, Delhi)
"Workplace accidents are unfortunate, but unprotected liability is catastrophic. Don't let one accident destroy what took years to build. Workmen compensation insurance: the legal shield every employer must have because worker safety is non-negotiable."
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