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Product Features

  • Universally Accepted

    Insurance recognized by customers, suppliers, regulatory authorities, external agencies and international companies. Meets your contractual requirements

  • Comprehensive Cover

    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

  • Medical Expenses

    Policy can provide for the payment of medical, surgical and hospital expenses including cost of transport to hospitals, for accidental employment injuries.

  • Industry specific

    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


Prior Period Exclusion

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

Known Issues

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

Inconsistent And Unverifiable Accident Reports

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

  • Claim Documentation

    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.

  • Add-on Covers

    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.

  • Exclusions

    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.

Why Securenow


    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.


  • proposal form

  • Claim forms

  • Policy wordings


  • The Workmen Compensation Act is an employee welfare scheme initiated by the Government of India under which the employer has to bear the legal liability of his employees in case injury/accident/ caused during or as a result of the course of employment.
    The section 2(1) (n)of the act clearly defined who is a workmen. And the schedule II of the Act, mentions the list of persons who are subject to the section 2(1) (n) , is also part of the definition of workmen.
    Any body of persons, whether incorporated or not, management of the employer and legal representative of the deceased employer is the employer. The definition of employer is also extended even when the service of workmen is temporarily lent or let on hire to another person by the employer with whom the workmen or employee has signed a contract or service of apprenticeship.
    If an employee gets an accidental injury during the course of official duty, the employee becomes entitled to specified workmen compensation benefits. The policy pays for death or disability caused due to accident.
    The extensions for Workmen Compensation Policy is as follows:
    • Actual medical, surgical and hospital expenses including the cost of transport to hospital for Accidental employment injuries
    • Any compensation for diseases mentioned in Part ‘C’ of Schedule III of the Workmen Compensation Act, 1923, which arise out of and in the course of employment
    Workmen compensation insurance is a type of employers liability insurance. Herein, liability arising on the employer due to death or disability of the employee in office or factory premises are covered.
  • Any injury or accident leading to death of the workman during the course of employment is a fatal accident. Whereas, any injury or accident resulting in partial or permanent physical disablement such as loss of limb or hearing is defined as non-fatal accidents.
    Widowed wife of the deceased worker, a minor son, unmarried daughter, widowed mother can qualify as dependents under workmen compensation insurance policy.
    Yes, shop employees are also covered under the WC policy act. Workmen’s compensation insurance policy will cover them as well.
    Some exclusions to workmen or employee compensation policy are:
    • Liability of the Insured assumed under an agreement
    • Diseases mentioned in Part ‘C’ of Schedule III of the Workmen’s Compensation Act, 1923, unless explicitly agreed to be covered.
    • Any change in statute provisions after the policy has commenced
    Worker insurance also offers a layer of protection to employers. If the injured employee accepts worker comp benefits then they are generally waiving their right to sue for the incident that caused the accident.