Workmen compensation insurance
Employer liability cover for occupational injury or death, with guidance on workforce declarations, contractor exposure and claims documentation.
Start with the business behind the policy
When an employee suffers an injury arising out of and during employment, the human and legal consequences can be serious. Workmen compensation insurance is intended to protect the employer’s liability under the applicable law and policy terms.
Correct workforce categories, wages, locations and occupational activities are essential. Umber helps employers align the declaration with the people actually working at their premises and projects.
Who should review this cover
- Factories and industrial units
- Construction and engineering contractors
- Warehouses and logistics operators
- Facility-management companies
- Businesses using labour contractors
- Employers with manual or hazardous operations
What the cover may include
Use this as a starting point. The selected policy wording and your declared circumstances determine what is covered.
- Legal liability for covered employment injury
- Death or disablement benefits as applicable
- Occupational diseases where covered
- Medical expenses only when specifically extended
- Declared employees and occupations
- Contractor exposure when appropriately arranged
The details worth a closer look
- 01
Undeclared employee categories or locations
- 02
Wage and headcount differences
- 03
Contract labour allocation and indemnity clauses
- 04
Non-employment injuries
- 05
Safety compliance and statutory records
- 06
Delayed notice or inconsistent incident accounts
When you need support
- Ensure urgent care and preserve incident records
- Notify the insurer promptly
- Coordinate wage, employment and medical documents
- Track statutory, legal and insurer requirements together
Your questions,
answered clearly.
A question is
a good place to start.
Tell us what you’d like to review. We’ll help you work through the next step.
General information only. Cover is subject to the selected policy wording, disclosures, underwriting, exclusions, warranties and deductibles.