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Covers legal liability under the Workmen Compensation Act (WCA) of 1923, and subsequent amendments. This is an umlimited liability exposure that you carry. Claims under the Fatal Accident Act, 1855 and common law are also covered. Cover for death, permanent disability, partial disability, temporary total disability available
Policy can provide for the payment of medical, surgical and hospital expenses including cost of transport to hospitals, for accidental employment injuries.
The cover and risks vary considerable by industry. Generally the risks are highest in manufacturing and industrial businesses. We make sure the insurer properly understands the risk and occupation classification before placing the insurance
Claims pertaining to a period before the policy inception date are not covered. If there is a break in the renewal of the workmen compensation policy, then the coverage date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal
Claims that come about from an issue that was known before the insurance was bought are rejected. The insurer will cross examine the case closely to see when the company became aware of the matter. This can be addressed by clearly describing any known issues when you buy your first Workmen compensation insurance cover
Insurers will reject a claim if there are contradictory reports on the accident or lack of information. Typically, insurers will compare worker, employee and police reports on an incident. There is greater scrutiny of cases where the claim was filed after a worker was terminated or laid off
Provide the completed claim form, legal notices if applicable, correspondence on the matter, estimate of legal fees, letter of subrogation. Do not admit liability without informing the insurer.
Extensions are available to cover claims related to occupational diseases. Extensions to cover sub-contractors in the insurance are also available. Terrorism can also be included.
Typical exclusions are injury as a result of war or nuclear disaster; diseases mentioned in the Part C of the Workmen Compensation Act, 1923; injury or death as a result of negligence (under the effect of alcohol/drugs) or deliberate disregard for safety compliances; Injury or accident that does not lead to death or partial disablement within 3 days of the accident.
We have specialized underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.