Workmen Compensation

The Workmen’s Compensation Insurance Policy provides for legal liability coverage for compensation to your employees for bodily injury or death caused due to accidents / occupational diseases arising out of and in course of employment.

The worker’s compensation insurance is the primary method by which an employer can demonstrate the ability to satisfy the obligations imposed by the Workmen’s Compensation Act of India, Monitored by the Ministry of Labour.

Legally Covers:

  • Workmen Compensation Act 1923
  • The Fatal Accident Act 1855
  • Duty at Common Law

Key Benefits:

  • Accidental Death & Disability Cover
  • Permanent Partial Disability
  • Weekly Compensation cover
  • Accidental Medical Expenses
  • Compensation Amount related to Salary
  • Occupational Diseases
  • Unnamed Policy (Workers)

Main Exclusions:

  • Any injury which does not result in fatality or partial disablement for a period exceeding 3 days
  • The first 3 days of disablement where the total disablement is less than 28 days
  • Any non-fatal injury caused by any accident directly attributed to:
  • Influence of drinks or drugs
  • Wilful disobedience of an order for securing safety to the workman
  • Wilful removal or disregard of a safety guard device
  • War group and nuclear group of perils
  • Liability to employees of contractors of the Insured (unless separately declared and covered)
  • Liability of the Insured assumed under an agreement
  • Occupational Diseases.


At Shubh Financial Hub, we strive to use an innovative approach to develop Workmen Compensation products that cut costs while maintaining superior coverage.
(2) Our Workmen Compensation Package is tailored specifically to fit the needs of your group.
(3) Our Wokrmen Compensation insurance plan provides cover to all the members in a single policy.
(4) We also provide 24×7 claim assistance and easy claim settlement process.