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What Our Plans Cover
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Employee claims for injury caused...
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Occupational illness and disease c...
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Legal defence costs and expenses
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Claims by contractors and temporar...
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Amounts awarded above the statutor...
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Claims arising after an employee h...
Who Can Consider This Plan?
- A registered business, professional practice or organisation
- Activities within the classes the insurer writes
- Accurate disclosure of turnover, activities and territories
- Disclosure of all known circumstances that could give rise to a claim
- Compliance with any statutory licensing applicable to the activity
What May Not Be Covered?
- Amounts payable under workmen's compensation, which that policy covers
- Injury from deliberate breach of statutory safety requirements
- Employees not declared to the insurer
- Claims arising outside the declared territory
- Contractual liabilities assumed beyond common law duty
Always check the policy wording before you commit.
Why Choose Wealth & Covers?
- Expert advice to choose the right plan
- Plans from leading insurance companies
- Hassle-free process and documentation
- End-to-end support, including claim assistance
- Dedicated relationship manager
Our Insurance Partners
- Star Health Insurance
- Care Health Insurance
- Niva Bupa Health Insurance
- HDFC ERGO
- ICICI Lombard
- Bajaj Allianz
We represent multiple providers to help you find the most suitable option at the best price.
- Expert Guidance Personalised advice from experienced insurance professionals.
- End-to-End Support From choosing the right plan to claim assistance, we are with you always.
- Claims Assistance Hassle-free claim support to ensure you get what you deserve.
- Transparent Process Clear information, easy documentation and a hassle-free experience.
Overview
Employer's liability covers a company against claims by employees for injury or illness caused by their work. It sits alongside workmen's compensation, which pays a statutory scale regardless of fault, and responds where an employee sues in negligence for more than that scale provides.
The distinction matters. Workmen's compensation is a no-fault scheme with defined amounts. Employer's liability responds to a common law claim alleging the employer failed in its duty of care, and those claims are not capped by the statutory scale.
Occupational illness is the exposure that develops slowly and surprises employers. Hearing loss, respiratory conditions and repetitive strain injuries emerge years after exposure, and a claim can arrive long after the employee has left.
Who should consider it
Employers in manufacturing, construction, mining and logistics, where physical risk is highest. Any employer with a workforce exposed to noise, dust, chemicals or repetitive physical work. Employers whose contracts require it.
Benefits
- Responds to employee claims beyond the statutory compensation scale
- Legal defence costs for negligence claims by employees
- Covers occupational illness developing over time
- Extends to contractors and temporary staff, where declared
- Complements workmen's compensation rather than duplicating it
- Frequently required by principal contractors and clients
What is covered, and what is not
Read the right-hand column first. It is the one that decides whether a claim is paid.
Typically covered
- Employee claims for injury caused by employer negligence
- Occupational illness and disease claims
- Legal defence costs and expenses
- Claims by contractors and temporary staff, where declared
- Amounts awarded above the statutory compensation scale
- Claims arising after an employee has left, subject to the trigger
Typically not covered
- Amounts payable under workmen's compensation, which that policy covers
- Injury from deliberate breach of statutory safety requirements
- Employees not declared to the insurer
- Claims arising outside the declared territory
- Contractual liabilities assumed beyond common law duty
- Fines and penalties imposed by regulators
- Injury where the employee was under the influence
Inclusions and exclusions vary between providers and between plans from the same provider. The wording in your own policy document is what governs — we will walk you through it before you buy.
How it works with us
- 1 We map the exposure before choosing a policy What you do, who it touches, and where a claim would come from. Liability cover follows the exposure, not the industry label.
- 2 Trigger and retroactive date agreed first Occurrence or claims-made, and how far back the cover reaches. These decide more than the limit does.
- 3 Limits tested against a realistic worst case Not the average claim — the one that would matter. Defence costs are part of that calculation.
- 4 Underwriting and, for larger risks, a survey Insurers price liability on process and controls. Good documentation genuinely lowers the premium.
- 5 Policy issued, and notification process explained Late notification is the leading cause of declined liability claims. We make sure your team knows when to call.
Important considerations
The things a brochure tends to leave out. Read these before you decide.
- This is not a substitute for workmen's compensation. The two operate together: one pays the statutory scale without fault, the other responds to negligence claims above it.
- Occupational illness claims can arrive years after exposure. Maintain health surveillance records and check whether the policy responds on occurrence or claims-made basis.
- Declare contractors and temporary staff. Whether they count as employees for these purposes depends on the arrangement, and undeclared workers are a frequent gap.
- Safety record affects the premium directly. Documented training, protective equipment and incident investigation reduce both the premium and the claim.
- Deliberate breach of statutory safety requirements is excluded. Compliance is not merely a regulatory matter here — it is a condition of the cover working.
Documents required
- Business registration and constitution documents
- Description of activities, products or services
- Annual turnover and, where relevant, export turnover
- Number of employees and details of contractors engaged
- Claims and incident history, usually for five years
- Existing policy schedules, where cover is being replaced
- Contracts specifying required indemnity limits, where applicable
Want a shortlist instead of a catalogue?
Tell us the situation and an advisor comes back with two or three options that actually fit — and names what each one gives up.