Factories and industrial units
Review the exposures, values and operating details that change how insurers assess this risk.
Employee protection
Workmen compensation insurance
Employer liability cover for occupational injury or death, with guidance on workforce declarations, contractor exposure and claims documentation.
Cover review
Wording before price. Support after placement.
Responsive supportClear next steps from review to claim
Structured comparisonTerms, limits, deductibles and exclusions
IRDAI licence 1103North India service100+ years combined experienceDedicated claims support
Start with the real exposure
The wording must match the business behind it
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.
“A policy works as a programme: values, wording, extensions and claims preparation must support one another.
Who we help
Who should examine this cover
Every recommendation begins with the activity, scale, locations and contracts—not a generic product label.
Construction and engineering contractors
Review the exposures, values and operating details that change how insurers assess this risk.
Warehouses and logistics operators
Review the exposures, values and operating details that change how insurers assess this risk.
Facility-management companies
Review the exposures, values and operating details that change how insurers assess this risk.
Businesses using labour contractors
Review the exposures, values and operating details that change how insurers assess this risk.
Employers with manual or hazardous operations
Review the exposures, values and operating details that change how insurers assess this risk.
The Umber programme
Understand what the programme may include
A single uncovered dependency can affect several policies. We look at how each part responds alongside the others.
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
One coherent
risk programme
risk programme
Before placement
What we examine with you
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 a claim happens
Support through the critical steps
Early action, accurate records and one clear chronology help everyone move with less confusion.
Understand
Ensure urgent care and preserve incident records
Notify & coordinate
Notify the insurer promptly
Document
Coordinate wage, employment and medical documents
Follow through
Track statutory, legal and insurer requirements together
Buyer questions
Clear answers before you decide
These are starting points. The final answer always depends on the selected insurer’s wording and your disclosed circumstances.
Is workmen compensation the same as group health insurance?
No. Group health pays eligible medical expenses under its terms. Workmen compensation addresses an employer’s statutory liability for covered employment injury or disease.
Are contractor workers covered?
Only if the policy structure, declarations and contractual responsibilities adequately include the exposure. This should be reviewed before work begins.
What documents are commonly needed after an accident?
Requirements vary, but may include incident reports, employment and wage records, medical documents, statutory notices, witness information and proof of payments.
Start with what you already have
Talk to Umber Insurance should fit the actual risk.
Share your current policy, asset schedule or requirement. Umber will help you identify the next useful step.
General information only. Insurance coverage is subject to the insurer’s policy wording, proposal disclosures, underwriting, exclusions, warranties, deductibles and applicable law. Umber Insurance Brokers Private Limited · IRDAI License No. 1103.