10 Questions of Workmen Compensation Insurance Answered

Workmen compensation insurance offers appropriate compensation to the employee. In order to grant sufficient damages, the government of India passed the Workmen Compensation Act, of 1923. The workmen's compensation policy protects the interest of workers and employers for accidents caused during the course of employment. However, the workers are still confused by several questions about the workmen's compensation insurance policy.

Read more
Unlimited workmen liabilities covered starting just ₹1500*

Get right expert advice

Hassle free policy

Speedy Claims

Fast-track your search with instant quotes from prominent insurers

Get quotes & protect your workers in 5 mins

Step 1/2
Covers Death & Disability
Covers Injury due to Accident
Covers Legal Expenses

Get quotes & protect your workers in 5 mins

Covers Death & Disability
Covers Injury due to Accident
Covers Legal Expenses
secure-icon We don't spam
Get Updates on WhatsApp
Check Your Premium Now

Get quotes & protect your workers in 5 mins

Step 2/2

Workmen Compensation Insurance Answered

Here are the 10 questions about workmen compensation insurance answered below.

  1. What is the Workmen Compensation Policy?

    The workmen's compensation policy protects the business along with the employee from financial losses. It bears the loss or damages caused to the employee while discharging his duties. An employee while accomplishing a perilous task on the construction site may meet with an accident. Under such circumstances, the employer may approach the insurance company or the insurer in order to grant appropriate damage to the employee.

  2. What does this Policy Cover?

    It is the most frequently asked question for workmen's compensation insurance answered here. The workmen's compensation covers the medical expenses of the employee, the care cost of the employee, loss of wages due to the accident, and funeral expenses in case of the demise of the worker. In addition, the insurance company is also liable to pay the appropriate compensation to the family of the worker in case of his demise.

  3. What Incidents shall not be covered under this Policy?

    Workmen's compensation policy protects the interest of the business and the employee. However, certain incidents are not bound to be covered under the workmen's insurance.

    Listed below are some examples which are not covered under the insurance plan.

    • An employee engaged in a conflict at the workplace with the other employee may cause severe injuries. However, such incidents shall not be covered under workmen's insurance.
    • The intentional injury caused to the employee shall not be dealt with under the workmen's insurance policy.
    • An employee who sustained an injury under the influence of alcohol cannot demand compensation under the insurance policy.
  4. Does Employer Pay the Benefits of Workmen's Compensation?

    It is one of the questions of workmen compensation insurance answered here. The employer does not pay the damages for the injury caused to a worker during the course of his employment. Instead the employer generally purchases liability insurance in order to provide benefits to the employees. Therefore, the insurance companies pay the benefits for workmen's compensation.

  5. What Factors Affect Workmen's Compensation Policy Cost?

    • State laws
    • Size of business
    • Type of works employees perform
    • The risk associated with the work
  6. Is it Mandatory to Approach a Lawyer in order to File Claim under this Policy?

    No, an employee may also file a compensation claim. However, an attorney may make the entire process easy for claiming compensation. He ensures that the victim receives the full amount from the insurance company.

  7. Can I Approach the Doctor of My Own Choice For Treatment?

    An employee may decide on the doctor he wishes to see for his treatment under workmen compensation insurance. However, the doctor must be certified for the treatment.

  8. Can My Employer Fire an Employee for Filing Workmen's Compensation Policy?

    Firing an employee for filing compensation is against state law. Therefore, an employer cannot fire an employee.

  9. What If My Employer Fires Me for Filing for Compensation?

    The employee under such circumstances may approach the labor court.

  10. What Benefits Are Available Under Workmen's Compensation Policy?

    Generally, an employee worries about the benefits he is entitled to under the workmen's compensation policy. This question of workmen compensation insurance is answered below.

    • Medical benefits
    • Death benefits
    • Loss of wages benefits


The workmen compensation policy is crucial to provide appropriate compensation to the employee. The laborers working on construction sites are prone to risk. Hence, it is imperative for the employer to buy compensation insurance.

Now help your friend get Business Insurance

Your referral is greatly appreciated!

Our team will reach out to your friend soon to help with their business insurance requirements.

Workmen Compensation Insurance Articles
The Workmen Compensation Act of 1923 provides financial compensation to employees who have accidents at work. It...Read more
19 Nov 2020 by Policybazaar 45364 Views
Under the Workmen’s Compensation Act, compensation is offered to the workers and their dependents in case of...Read more
01 Apr 2020 by Policybazaar 25034 Views
It is a known fact that a company's success depends on its employees. Each employee expects a secure job and gets...Read more
23 Aug 2022 by Policybazaar 4855 Views
Employee and worker safety is an integral part of the smooth functioning of the business. Worker’s safety is a...Read more
16 Nov 2022 by Policybazaar 6197 Views
In India, various insurance policies provide different kinds of cover to the employees of an organization. Being...Read more
05 May 2021 by Policybazaar 12579 Views
Workers' compensation claims can be a significant financial...Read more
09 Apr 2024 by Policybazaar 223 Views
Many employers mistakenly believe that Workers' Compensation and...Read more
08 Apr 2024 by Policybazaar 335 Views
A workplace injury can be a stressful and disruptive event for...Read more
08 Apr 2024 by Policybazaar 437 Views
In the fast-paced world of entrepreneurship, small businesses...Read more
15 Dec 2023 by Policybazaar 436 Views
In the fast-paced world of transportation, workers, including...Read more
15 Dec 2023 by Policybazaar 596 Views
Policybazaar for Business - Workmen Compensation Insurance - Customer Reviews
View all
Based on 92 reviews
out of 5
Based on 92 reviews
8 users
68 users
16 users
0 users
0 users
4.3 June 28, 2023
Positive Experience
Thank you, PolicyBazaar, for providing such a positive experience and ensuring that well-being of my employees and business!
4 June 18, 2023
Provides Financial Security
I purchased Workmen Compensation Insurance from PolicyBazaar for my business owner looking to secure their employees' welfare and protect their business interests.Thankyou. Worth buying.
3.8 June 08, 2023
Nice Purchase
I purchased Workmen compensation plan which turn out to be the good decision. Thanks PB.
4.3 May 26, 2023
Multiple Benefits
I recommend purchasing Workmen Compensation Insurance from Policybazaar. Their user-friendly platform, diverse policy options, exceptional customer support and efficient claims processing make them stand out from the competition.Thanks. It was a good decision.
4 May 21, 2023
Great Plan
I recently bought Workmen Compensation Plan at policybazaar website which provides comprehensive coverage giving me peace of mind knowing that my employees are well protected in case of any unfortunate event.Thanks.
3.8 May 16, 2023
Helpful Representatives
The team at PolicyBazaar were responsive, courteous, and extremely knowledgeable. I had a few questions regarding the coverage terms and the representatives were patient in addressing all my queries. Thanks.
4 May 11, 2023
Good Platformm
When it came to selcting the right Workmen Compensation Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
3.8 May 06, 2023
Well Informed
I recently purchased Workmen Insurance plan from PolicyBazaar. The process was straightforward and I felt well-informed throughout, thanks to the clear and concise information provided.
4.3 May 01, 2023
Good Decision
I am absolutely delighted with the Workmen Compensation Insurance policy I purchased through Policybazaar. From start to finish, the entire experience has been nothing short of exceptional. I can confidently say that this is one of the best decisions I have made for my business.
3.8 April 30, 2023
Instant Protection Against Accidental Misshappening
I bought Workmen Compensation Plan from the Policy bazaar website online for our workers in my industry to get protetion aganst any Accidental miss happening caused to them. It offers amazing deals which provide them with medical coverage and help me to get instant protection against any loss. Thanks, PolicyBazaar.