Workmen Compensation
We secure the exact policies that handle your legal and financial liabilities when workplace injuries happen.
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The law that makes an employer liable to pay compensation when a worker is injured or killed in the course of employment. Liable means the duty to pay rests on the employer.
The duty to pay does not depend on fault. If the injury arose out of the work and happened during the work, compensation is owed.
An employer is liable for workers engaged through a contractor, not only those on its own payroll. This matters on any site that runs both its own staff and contract labour.
Covered. The policy pays the medical costs and the wages lost while the worker is off work. It is not only for the worst injuries.
Generally not covered. The exception is workers whose job is travel, such as drivers and field staff. For them the vehicle or the road is their workplace.
Excluded. But the duty to prove it was deliberate sits with the employer, not the worker. Without that proof, compensation is owed.
A worker aged 30, earning ₹20,000 a month, loses a hand on site. Your liability under the Act is about ₹11,23,000. The figure moves with the worker's age and with the injury suffered.
The same worker dies in a factory accident. Your liability is about ₹15,59,850. A younger worker costs more, because the Act pays a higher multiple when more working years are lost.
When a worker is hurt, the last thing we want is to be learning the claim process. Pratiraksha handles the paperwork and the follow up with the insurer, and they stay on it until the matter is settled.
Sanjeev Sharma
Pratiraksha showed us what one serious injury would cost us under the law, and what the cover costs in comparison. The premium is a very small amount against that liability, and for anything at all their support is a call or a message away.
Jiten Agarwal
With 6,000 employees our workforce changes every single month, and every addition and deletion has to reach the insurer. Pratiraksha takes that entire job off our hands, so our cover is never out of date.
Hardik Shukla
Our drivers are on the road, not inside a factory, and Pratiraksha made sure our cover follows them there. They have looked after our workmen compensation for the last 5 years.
Ours is heavy work, so our workers face real risk and we carry a real obligation towards them. Pratiraksha placed cover that answers for serious injury and for death, and they are always ready to go out of the way to support.
