Labor Insurance
Labor insurance serves as a vital safety net for workers, offering financial compensation in the face of various employment related risk. this comprehensive policy cover a spectrum of potential hazard including workplace injuries, illness, disabilities and even fatalities. the core objective of labor insurance policy is to ensure the workers recieive essential benefit, including coverage for medical expenses, replacement income during period of incapacity and acess to rehabilition services.
Why Do you need Labor Insurance?
Here are some of the reasons-
- Labour insurance provides financial support during workplace related emergencies.
- it offer a buffer against unexpected events, ensuring stability for workers.
- Labour insurance is mandatory in many juridiction ensuring adherence to legal requirement.
- It demostrate employer commitment to worker welfare fostering a positive work environment.
- it contribute to social stability by supporting workers and their families during time of need.
What does policy cover?
labor insurance cover-
- injury caused due to an accident during employment
- Partial and permanent disability
- Temporary disability or fatality
- legal cost as well as expense incurred with the company consent.
Labor Insurance Add on
Additional feature-
- Subcontractor cover- if a contractor engage a subcontractor who lack employee compensation coverage the contractor has the option to include subcontractor coverage on add on.
- Medical extenstion - employee have the option to include a medical extension add on. however it is applicable only if a worker is hospitalized for more than 24 hours.
- Terrorism Coverage - the labour insurance policy offer an add on for terrorism providing coverage for losses or damage resulting from terrorist attack.



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The workmen Compensation policy cover the legal liabilities of the employer by providing financial compensation to their employees in case of work related injuries or mishaps. the policy provide complete financial support to workers for medical expenses, rehabilition, and lost wages caused by temporary and permanent disability due to work related incidents.
the compensation to be paid by the employer depends on the age of the workmen, the nature of his injury and the average monthly salary paid to it. however the minimum and maximum compensation rate are fixed for death and disability subject to timely revision. in case of the death of workmen the employer is supposed to pay compensation to the dependents of that workmen.
the ministry of labour and employment in india has formed the social security division. it is responsible for framing social security policies for the workmen and insuring their implementation as well as enforcing the workmen compensation act in India. however the various state government administer the act through workmen compensation commisioners.
labor insurance cover-
- injury caused due to an accident during employment
- Partial and permanent disability
- Temporary disability or fatality
- legal cost as well as expense incurred with the company consent.
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