In an unfortunate event of an Employee suffering a bodily injury (temporary or permanent), or death during employment, Employer is legally liable to pay compensation to the Employee under the Employee’s Compensation Act 1923, The Fatal Accidents Act 1855, and at Common Law.

The policy covers statutory liability of an employer as per above laws for the death of or physical injury or occupational diseases sustained by the workmen arising out of and in course of employment. The Act provides a very wide meaning for the term ‘arising out of and in course of employment’ (for example a workman starting from his house to the workplace is treated as in course of employment). Death of or injuries arising out of an employee’s own negligence are also treated as ‘arising out of employment.

• The Benefits under Common Law the liability is unlimited
• The Employees covered under ESI Act need not be covered under this policy
• Additionally, legal costs and expenses incurred can be covered with the Insurers consent