Liability insurance offers protection against risk of getting sued for negligence, malpractice, injuries and damage to people and/or property. Liability insurance covers legal costs and payouts for which the insured party would be found liable.
Workmen’s Compensation Act 1923 provides compensation to employees in event of death or bodily injuries or occupational diseases caused to an employee by accident arising out of and in course of employment.
The employer is liable to pay compensation to the employee or their dependents in accordance with the provisions of Workmen Compensation Act, 1923/ Employees’ Compensation (Amendment) Act 2009 for personal injury or death of the employee by accident of disease contracted while discharging duties
The policy under Table-A covers
1. Workmen’s Compensation Act, 1923/Employees’ Compensation (Amendment) Act 2009
2. Fatal Accidents Act, 1855
3. Common Law
The contractual staff working in factories/ projects falling in a preview of ESI Act 1948 can be insured separately under Table-B covering
1. Fatal Accidents Act, 1855
2. Common Law
The Policy should be taken by Employer/Principle/Contractor for whom the employee/labor are working.
i) caused by accident directly attributable to workman being under the influence of alcohol or drugs.
ii) willful disobedience by the workman of orders and rules expressly given to secure the safety of the workmen
iii) willful removal or disregard by the workman of any safety devices provided for the safety of workmen
Employee of a garment manufacturer while travelling due to official work met with an accident and eventually died in hospital.
Client had a WC Policy but never claimed under the same and paid the compensation to the employee out of their own pocket.
We apprised the client about the coverage under this policy. We advised him to procure and present the requisite documents to the insurance company which, in turn, helped the client to get the reimbursement from the Insurance company.
We streamlined the process and conducted a awareness session at clients end . The same was greatly appreciated by the client.
A client dealing in specialized engineering equipment sends his Employee to its client at various location for explaining usage of the machinery to various users.
while working on the machine at the clients end, his palm was injured badly and entire palm has to be cut off. Insurance company denied the claim, reason being that the employee was working at a different location.
The case was put forward to the insurer and argued that the insured employee was travelling for the employer due to work and the incident has occurred during course of employment and has nothing to do with the exact location as there was no change in nature of work.
The client was advised to give full description of nature of work so that such anomalies do not occur.