Workmen
Compensation
Legally mandated employer liability protection.
Secure legal safety covers against employee injuries, fatalities, or occupational diseases occurring during duty hours. It is legally mandated for manufacturing, warehousing, and construction sites.
BP & AF Corporate Lines
Employee Benefits • Liability Portfolios
Why Workmen Compensation
“Every employee deserves safety. Every employer deserves legal and financial immunity from work-site accidents.”
Under the Employees' Compensation Act 1923, employers are statutorily liable to compensate employees or their families for injuries, illnesses, or deaths happening at the workplace. WC policies manage this risk entirely, preventing severe capital drain during litigations.
Employer Liability
Immunity against costly lawsuits by handling legal claims.
Employee Protection
Ensuring workers have medical backup pools if site accidents happen.
Financial Security
Prevents immediate capital drain by outsourcing statutory payouts.
Business Continuity
Seamless operations at factories with covered worker liabilities.
Labour Law Compliance
Helps corporations comply with mandatory central labor statutes.
Who Should Buy
Workmen Compensation is essential for businesses employing manual labor, office staff, or contractor workforces.
Manufacturing
Construction
Engineering
Warehouse
Healthcare
Hospitality
Retail
Logistics
Education
Corporate Office
Workmen Coverage Builder
Tune the settings below, classifying employee skills and wages to benchmark liability limits.
Select Industry Class
Choose your primary operational sector to configure structural safety buffer multipliers.
Manufacturing
Factory floors, process engineering and workshop risks
Construction & Site Work
High elevation, civil work and crane operations
Logistics & Warehouse
Storage depots, fleet handling & packaging hubs
Office & Corporates
Sleek low-risk commercial tower structures
Estimated Profile
What's Covered
Understand the specific incident scopes covered under statutory underwritings.
Death Payouts
Statutory lump-sum payouts distributed to core family dependents in the event of work-site fatalities.
Permanent Disability
Compensation for life-altering accidents causing permanent total loss of earning capacities (e.g. paralysis, limb losses).
Temporary Disability
Provides replacement wage payouts while workers undergo clinical recoveries from temporary site injuries.
Occupational Disease
Covers medical costs or payouts for workplace illnesses developed due to toxic gases, hazardous elements, or constant noise.
Employer Liability Protection
Outsources your statutory liability under the Act, securing corporate assets from liquidations.
Medical Expenses Cover
Hospitalization, surgery, and clinical care budgets due to severe workplace physical injuries.
Compensation Payouts
Structured lump-sum or scheduled payouts calculated precisely via central labor formulas.
Optional Extensions
Add extra layers of protection to eliminate out-of-pocket costs on non-statutory liabilities.
Hospital Medical Expenses
Covers medical bill buffers and emergency ambulance fees for immediate workspace accident treatment.
Extended Occupational Diseases
Adds covers for diseases that aren't strictly classified under standard Schedule III guidelines.
Contractor Employee Rider
Extends identical statutory coverages to subcontracted loaders, laborers, and transient workers.
Terrorism Extension
Compensates workers injured in terrorism or localized security disasters during corporate hours.
Common Law Liability
Secures legal defense costs if employee lawsuits request damages beyond Act limits in standard civil courts.
Transportation Risk Cover
Covers transit accidents when workers are shuttled to sites in company-owned buses or vans.
Premium Factors
Understand how underwriters benchmark premium rates for workmen lines.
Nature of Business
Chemical, construction or high risk factories face higher base rates compared to offices.
Employee Counts
Total numbers of unskilled, semi-skilled, and skilled workers declared.
Monthly Wages
Total declared monthly salary base determines maximum statutory payouts.
Industry Risk Score
External safety protocols and mechanical hazards at the operational site.
Claims History
Work-site safety history. Claim-free histories trigger premium discount bonuses.
Optional Extensions
Additional medical expense and common law riders increase total premiums.
Claims Process
Workplace claims require meticulous compliance. Our advisors guide you through statutory submissions.
Phone Call
Notify BP & AF claims managers immediately within 24 hours of workplace accidents.
Claim Form
Fill out the detailed statutory accident report form declaring duty timings.
Medical Report
Acquire certified clinical sheets, fitness registers, or death post-mortem schedules.
Surveyor Audit
Surveyor verifies site logs, wage registers, and incident details.
Assessment
Calculation of statutory payout sum matching age-wage-injury matrices.
Handshake
Direct payout to the employee or dependent accounts, securing liability closure.
Required Documents
Ensure these documents are ready for survey audits to guarantee quick settlements.
Claim Form
Detailed statutory accident report form completed by supervisor.
Employee Details
Identity proof, attendance registers, and site contract schedules.
Salary Register
Payroll book records confirming employee monthly wages.
Medical Report
Hospital certificates, medical invoices, and fitness registers.
FIR Report
Mandatory police registration copy for severe or fatal accident cases.
Death Certificate
Required for dependents compensation claims.
Disability Certificate
Issued by registered medical boards validating permanent loss of earnings.
Employer Declaration
Signed declaration describing the incident circumstances.
Underwriting & Coverage FAQ
Yes, under the Employees' Compensation Act 1923, employers in manufacturing, construction, logistics, and mining are legally bound to pay compensation for work-related injuries or deaths.
Request Workmen Proposal
Provide your corporate details below. We will coordinate underwriting approvals and quote comparisons for your business.