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a workmen compensation policy covers the statutory liability of an employer for the death, disability and bodily injuries of his employees caused by accidents arising out of and during the course of their employment.

Table A: This policy provides indemnity to the Insured if any employee in the Insured’s immediate service shall sustain bodily injury by accident or contracts disease arising out of and in the course of his employment by the Insured in the Business and if the Insured shall be liable to pay compensation for such injury either under.

i. Workmen’s Compensation Act, 1923 and subsequent amendments of the said Act prior to the date of issue of the Policy provided that the insurance granted is not extended to include any interest and/or penalty imposed on the insured on account of his / their failure to comply with the requirements laid down under the W.C. Act, 1923, and

ii. the Fatal Accident Act, 1855 of at Common Law And in addition all costs and expenses incurred with the company’s consent in defending any claim for such compensation.

Table B: This Policy provides indemnity to the Insured against their legal liability under the Fatal Accidents Act, 1855, and at Common Law. (This Policy is not issued to cover employees who fall within the definition of “workmen” under the Workmen’s Compensation Act, 1923, as amended).

• Death
• Permanent total disablement
• Permanent partial disablement
• Temporary disablement
• Additionally, legal costs and expenses incurred with our consent
• The policy can also be extended to include medical expenses for necessary treatment

• War
• The Insured's liability to contractors’ employees (unless specifically declared and covered)
• Any liability of the Insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement