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Workmen Compensation Insurance: Protect Your Employees

Comprehensive coverage for SMEs, protecting against financial liabilities from employee injuries, disabilities, or fatalities at work, ensuring compliance and peace of mind.

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What Is Workmen Compensation Insurance?

Workmen Compensation Insurance is a specialized SME insurance plan that covers financial liabilities arising from employee injuries, disabilities, or fatalities during work. It ensures compliance with labor laws and provides medical care, wage compensation, and legal protection for businesses.

Workers in a workplace

Why You Need Workmen Compensation Insurance?

Medical Coverage

Covers medical expenses for injured workers.

Wage Compensation

Compensates for lost wages due to injury.

Legal Protection

Covers legal liabilities from claims.

Compliance with Laws

Meets mandatory labor regulations.

Peace of Mind

Run your business with confidence.

What Is Covered / Not Covered

Covered

  • Workplace Injury Medical Costs
  • Wage Loss Compensation
  • Disability Benefits
  • Fatal Accident Compensation
  • Legal Defense Costs

Not Covered

  • Non-Work-Related Injuries
  • Self-Inflicted Injuries
  • Injuries Due to Intoxication
  • Non-Compliance with Safety Laws
  • Contractor Injuries (Unless Specified)

Types of Coverage Available

Medical Expenses

Covers treatment costs for workplace injuries.

Wage Compensation

Compensates for lost income due to injury.

Disability Benefits

Covers temporary or permanent disabilities.

Death Benefits

Provides compensation for fatal accidents.

Liability Protection

Covers legal claims from employees.

Contractor Coverage

Optional cover for contract workers.

Who Can Buy This Insurance?

Manufacturing Units

SMEs with factory or production workers.

Construction Firms

Businesses with on-site laborers.

Retail Businesses

Shops with in-store staff.

Logistics Companies

Firms with drivers or warehouse staff.

Restaurants & Cafes

Food businesses with kitchen staff.

Service Providers

SMEs with on-field or office staff.

How to Buy / Apply

Step 1: Share Details

Provide business and employee details.

Step 2: Select Plan

Choose coverage for your workforce.

Step 3: Get Quote

Compare plans and finalize policy.

Step 4: Pay & Receive

Pay online and get policy instantly.

Claim Process

Step 1: Notify Insurer

Inform us about the workplace injury.

Step 2: Submit Documents

Provide medical reports and proofs.

Step 3: Claim Review

Claim assessed by our expert team.

Step 4: Claim Payout

Receive approved claim amount.

Frequently Asked Questions

Is Workmen Compensation Insurance mandatory?

Yes, it is mandatory for businesses in India under the Workmen’s Compensation Act, 1923, for certain industries.

Does it cover contract workers?

Coverage for contract workers can be included as an optional add-on in the policy.

Does it cover medical expenses?

Yes, it covers medical expenses for injuries sustained at the workplace.

Can I customize the policy?

Yes, you can tailor the policy to cover specific risks based on your business needs.

What’s the minimum premium?

Premiums vary based on employee count, industry, and coverage. Get a quote for exact pricing.

Contact & Support

Customer Care

Call us at: +91 8827275975

Email Support

Reach us at: support@apsinsurancevia.com

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