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Workmen Compensation Insurance

Safeguard your employees and business from unforeseen workplace injuries, legal liabilities, and compensation pay-outs.

Employer's Legal & Moral Duty

What Is Workmen Compensation Insurance?

Workmen Compensation Insurance provides statutory coverage for employers to compensate employees in case of injury, disability, or death arising out of and during the course of employment. It covers medical expenses, wage loss, and legal liabilities as per the Employees’ Compensation Act, 1923. Whether you're a manufacturing unit, construction firm, logistics operator, or service provider—this policy ensures legal compliance and employee welfare.

Secure Your Team, Comply With Law

Advantages of Buying Workmen Compensation Insurance Online

Quick & Paperless Issuance

Generate a legally valid WC policy digitally with minimal documentation.

Custom Coverage Options

Tailor your policy to include medical, occupational disease, or contractual workers.

Legal Compliance & Protection

Fulfil mandatory employer obligations and avoid legal penalties or disputes.

Protect Your Workforce & Business Reputation

Key Reasons to Opt for Workmen Compensation Insurance

01

Mandatory Under Indian Law

Required by The Employees’ Compensation Act, especially for hazardous or manual labour sectors.

02

Covers Medical Treatment Costs

Pays for hospitalization, surgery, and rehabilitation after workplace injury.

03

Disability & Death Benefits

Provides lump-sum compensation in case of partial or total disability or fatality.

04

Prevents Legal Disputes

Minimizes legal complications by offering predefined compensation coverage.

05

Enhances Employer Branding

Shows your commitment to employee welfare and a safe work environment.

06

Covers Contractual & Casual Workers

Extend protection even to part-time or outsourced laborers under your supervision.

Flexible Options for Different Business Needs

Workmen Compensation Insurance Plans You Can Choose

Basic Legal Liability Coverage

Fulfils mandatory coverage under the EC Act including wage loss, injury, and death.

Add-on Medical Expenses

Extends protection for hospital bills, surgery, and rehabilitation costs.

Occupational Disease Coverage

Offers compensation for job-related illnesses over prolonged exposure.

Terrorism Cover (Optional)

Covers injuries or fatalities due to terror-related incidents in high-risk zones.

Contract Worker Coverage

Extends WC benefits to labour hired via contractors or agencies.

Comprehensive Employer Liability Plan

Combines WC, personal accident, and public liability into one bundled solution.

Trusted by Corporates Across India

Why Employers Prefer Itus for Workmen Compensation

Expertise in Corporate Risk Needs

Deep understanding of SME and enterprise worker liability requirements.

PAN India Digital Servicing

Get policies and support across cities and states with real-time assistance.

Competitive Quotes from Leading Insurers

Compare offerings from top WC insurers to find the right policy for your needs.

Claims Assistance & Legal Advisory

Receive support for claim filing, documentation, and dispute resolution.

Integration with Corporate Portals

Enable policy management via employee benefit or HRIS platforms.

Dedicated Relationship Managers

Enjoy ongoing support for renewals, endorsements, and escalations.

Hassle-Free Setup for Corporates & SMEs

Steps to Get Workmen Compensation Insurance

1. Share Business & Workforce Details

Enter company size, nature of work, and number of workers covered.

2. Compare & Customize Plans

Select plans with appropriate coverage based on risk and statutory obligations.

3. Confirm & Get Instant Policy

Pay securely and download the WC policy certificate instantly.

Assistance When Accidents Happen

How to File a Workmen Compensation Claim

01

Report Incident Immediately

Notify the insurer and relevant authorities about the workplace incident.

02

Submit Documents

Provide FIR, hospital records, wage statements, medical reports, and policy copy.

03

Insurer Assessment & Compensation

Insurer verifies the case and processes claim settlement based on the compensation act guidelines.

Clarity on Legal & Coverage Terms

Workmen Compensation Insurance – Frequently Asked Questions

Yes. Under the Employees’ Compensation Act, 1923, it’s mandatory for employers to compensate employees for workplace injuries, making this insurance a legal safeguard.

Any business employing manual labour, field staff, factory workers, or contractual laborers—including SMEs and enterprises in construction, manufacturing, and logistics—should buy this policy.

Group Health covers hospitalization due to illness or accident generally. WC specifically covers workplace accidents and offers compensation for wage loss, disability, or death.

Yes. You can extend Workmen Compensation Insurance to workers hired through third-party contractors who are working under your supervision or control.

Key documents include the incident report, wage records, medical bills, hospital certificates, FIR (if applicable), and policy document.

Absolutely. Plans are scalable and available even for businesses with fewer than 10 employees, ensuring compliance and protection.

Yes. Conditions caused by continuous exposure to hazardous work environments—like hearing loss, respiratory illnesses, etc.—can be included in extended coverage.

Only if the accident occurred during the course of employment, such as travel for work or on-duty locations approved by the employer.

Claims are typically settled within 15 to 30 days after complete documentation is submitted and verified by the insurer.

The compensation is calculated based on wage, age, and type of injury as per the EC Act. The insurer pays as per this predefined formula.

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