HDFC ERGO Workers Compensation Insurance

HDFC ERGO Workers Compensation Insurance helps you address the obligations you may face as an employer under Indian labour laws. With rising awareness about employee rights and an increasingly formalised workforce in India, protecting your business from unexpected legal claims or large compensation payouts is not just prudent but necessary. The policy provides coverage that meets statutory requirements while giving you peace of mind that your workforce is protected.

Get quotes & protect your workers in 5 mins

Protect your workers from

bodily injury and death

We don't spam

Check your premium now

By clicking on "Check your premium now" you agree to our Privacy Policy and Terms Of Use

Get Updates on WhatsApp

Get right expert advice
Hassle-free Policy
Speedy claims

Our top insurers

Features of HDFC ERGO Workers Compensation Insurance

The policy includes distinct elements that make it suitable for Indian employers across industries. Here is what you need to know about the features of HDFC ERGO Workers Compensation Insurance:

Features of HDFC ERGO Workers' Compensation Insurance

This policy offers key protections to ensure compliance and financial security for employers:

Compliance assurance: Meets obligations under India’s Employee Compensation laws.
Legal framework: Governed by the Employee Compensation Act, 1923, and overseen by the Ministry of Labour.
Comprehensive coverage: Addresses liabilities from workplace injuries, disabilities, or fatalities.
Financial protection: Protects your business from costly lawsuits and ensures timely compensation payouts.

These features make the policy highly relevant for employers looking to ensure full compliance with the law while protecting their organisation's financial health.

HDFC ERGO Workers Compensation Insurance Inclusions

The policy offers comprehensive protection to employers by covering a wide range of statutory liabilities, including:

Accidental death of an employee in the course of work
Permanent total disablement
Permanent partial disability
Temporary total disability
Legal expenses incurred with the insurer's consent
Injuries under the Doctrine of Notional Extension, covering accidents deemed connected to employment

This coverage extends to incidents arising out of and during employment, in accordance with statutes such as the Employee Compensation Act, 1923, Common Law, and the Fatal Accidents Act, 1855.

HDFC ERGO Workers Compensation Insurance Exclusions

While the policy provides extensive protection, certain scenarios are not covered. Key exclusions include:

Contractual employees, unless specifically declared in the policy
Medical or hospitalization expenses, unless an extension is chosen
Occupational diseases listed in Part C of Schedule III of the Employee Compensation Act, 1923 (unless additional coverage is opted for)
Liabilities assumed under agreements that exceed statutory requirements
Minor injuries not leading to death or disablement beyond three days
The first three days of disablement, if it lasts less than 28 days
Bonus benefits, such as cumulative bonuses for claim-free years

These exclusions define the scope of coverage and set clear boundaries for employer liability.

HDFC ERGO Workers Compensation Insurance Claim Process

In the event of a workplace incident, follow these key steps to ensure smooth claim processing:

Notification: Report the incident to the insurer in writing at the earliest, with complete details of the event.
Documentation: Provide supporting documents such as medical reports, employment records, incident reports, and witness statements (if applicable).
Assessment: The insurer reviews the claim, conducts necessary investigations, and determines liability.
Settlement: Once approved, the compensation is released in line with policy terms and applicable laws.

Tip: Maintaining updated employee records can help expedite the process and avoid unnecessary delays.

HDFC ERGO Workers Compensation Insurance: FAQs

1.Who should buy HDFC ERGO Workers Compensation Insurance?

Ans: This policy is essential for employers whose staff face workplace risks, especially in sectors like construction, manufacturing, and industrial operations. It ensures you can meet your legal obligations while protecting employees against accidents and injuries.
2. Is medical expense coverage included automatically?

Ans: Medical expenses are not automatically included, but can be selected as an add-on extension. This allows you to make decisions based on your specific workforce needs.
3. Are contractual employees covered under the policy?

Ans: No, contractual employees are excluded unless they are explicitly declared and covered as an extension to your policy.
4. What laws does this policy satisfy?

Ans: HDFC ERGO Workers' Compensation Insurance meets the requirements under the Employees' Compensation Act, 1923, Common Law, and the Fatal Accidents Act, 1855
5. Can occupational diseases be covered?

Ans: Yes, but you must specifically opt for this extension if you want compensation for diseases listed in Part C of Schedule III of the Employee Compensation Act, 1923
6. How long do I have to report a claim?

Ans: Claims must be reported promptly, generally as soon as you become aware of an incident. Delays may affect your ability to claim successfully.

Download Policy Wordings of TATA AIG

Why Buy From Policybazaar

Workmen Compensation Companies

Digit Workers Compensation Insurance

Reliance Workmen Compensation

View more insurers

Disclaimer: Above mentioned insurers are arranged in alphabetical order. Policybazaar.com does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

Commercial Insurance Products

Group Health Insurance

Marine Insurance

Cargo Insurance

Workmen Compensation Insurance

Professional Indemnity

Fire Insurance

Shop Insurance

Comprehensive Liability Insurance

Construction All Risk

Erection All Risk

Cyber Insurance

Directors & Officers Insurance

Contractor's Plant & Machinery

Office Package Policy

Group Personal Accident Insurance

Group Life Term Insurance

Drone Insurance

We don't spam

Check your premium now

By clicking on " Check Your Premium Now " you agree to our Privacy Policy and Terms Of Use

Workmen Compensation Insurance Articles

Popular Articles
Recent Articles

Safety Measures in the Factories Act 1948

Safety Measures in the Factories Act 1948

Ensuring workplace safety in industrial environments is fundamental to labour welfare. The safety measures in the...Read more

08 Apr 2025 by Policybazaar 3497 Views

What is Permanent Partial Disability (PPD)?

What is Permanent Partial Disability (PPD)?

Permanent Partial Disability (PPD) occurs when a person is injured or has a medical condition that causes a...Read more

01 Oct 2024 by Policybazaar 3230 Views

Lay-off Compensation to Workmen: What Is It?

Lay-off Compensation to Workmen: What Is It?

Have you come across the term 'Lay Off'? Picture this: You wake up early, all set for another day at the office...Read more

20 Jul 2021 by Policybazaar 16354 Views

How is Workers Compensation Injury Settlement Calculated?

How is Workers Compensation Injury Settlement Calculated?

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 30519 Views

Provisions Relating to Welfare in Factories Act 1948

Provisions Relating to Welfare in Factories Act 1948

Workers' welfare is the cornerstone of a safe and sustainable industrial culture. Infactories, where the workers...Read more

15 Jul 2025 by Policybazaar 848 Views

Workmen Compensation Act, 1923

Workmen Compensation Act, 1923

The Workmen Compensation Act, 1923, also known as the Employees' Compensation Act mandates employers to fairly...Read more

19 Nov 2020 by Policybazaar 53198 Views

Monthly Wages Under Employees' Compensation Act, 1923

Monthly Wages Under Employees' Compensation Act, 1923

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 10064 Views

Differentiation between Workers Compensation & Employee State...

Differentiation between Workers Compensation & Employee State...

Employers in India must ensure financial protection for their workforce in case of workplace injuries or health...Read more

05 May 2021 by Policybazaar 16986 Views

Provisions Relating to Hazardous Processes in Factories Act 1948

Provisions Relating to Hazardous Processes in Factories Act 1948

Industrialisation has been a major contributor to economic growth in India, but it also comes with possible risks...Read more

11 Jul 2025 by Policybazaar 842 Views

A Step-by-Step Guide to Filing a Workmen Compensation Claim

A Step-by-Step Guide to Filing a Workmen Compensation Claim

Workplace injuries can occur without warning, and as a contractor, it is your responsibility toensure that injured...Read more

12 Apr 2023 by Policybazaar 7122 Views

What are Occupational Diseases?

What are Occupational Diseases?

Occupational diseases are defined as illnesses or conditions caused by long-term exposure to hazards in the...Read more

01 Oct 2024 by Policybazaar 2613 Views

Workers’ Compensation for Occupational Disease

Workers’ Compensation for Occupational Disease

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 9844 Views

How is Premium Estimation under Worker’s Compensation Insurance...

How is Premium Estimation under Worker’s Compensation Insurance...

Worker's compensation insurance is very important. It provides coverage to the workers if they get physically hurt...Read more

28 Apr 2023 by Policybazaar 4850 Views

Employers Liability Insurance vs. Workers Compensation

Employers Liability Insurance vs. Workers Compensation

If you are a business owner you have to ensure that your company is adequately protected. This means opting for...Read more

24 Aug 2022 by Policybazaar 6498 Views

ICICI

ICICI

ICICI Lombard's Workmen Compensation Insurance provides financial security to employers by covering their legal...Read more

06 Feb 2025 by Policybazaar 1367 Views

Provisions Relating to Welfare in Factories Act 1948

Provisions Relating to Welfare in Factories Act 1948

Workers' welfare is the cornerstone of a safe and sustainable...Read more

15 Jul 2025 by Policybazaar 848 Views

Provisions Relating to Hazardous Processes in Factories Act 1948

Provisions Relating to Hazardous Processes in Factories Act 1948

Industrialisation has been a major contributor to economic...Read more

11 Jul 2025 by Policybazaar 842 Views

10 Daily Workplace Safety Tips in Manufacturing

10 Daily Workplace Safety Tips in Manufacturing

Workplace safety is crucial in the manufacturing sector, as it...Read more

10 Apr 2025 by Policybazaar 987 Views

Safety Measures in the Factories Act 1948

Safety Measures in the Factories Act 1948

Ensuring workplace safety in industrial environments is...Read more

08 Apr 2025 by Policybazaar 3497 Views

10 Construction Site Safety Rules

10 Construction Site Safety Rules

Safety practices at construction sites are critical to...Read more

02 Apr 2025 by Policybazaar 970 Views

ICICI

ICICI

ICICI Lombard's Workmen Compensation Insurance provides...Read more

06 Feb 2025 by Policybazaar 1367 Views

What is Permanent Partial Disability (PPD)?

What is Permanent Partial Disability (PPD)?

Permanent Partial Disability (PPD) occurs when a person is...Read more

01 Oct 2024 by Policybazaar 3230 Views

What are Occupational Diseases?

What are Occupational Diseases?

Occupational diseases are defined as illnesses or conditions...Read more

01 Oct 2024 by Policybazaar 2613 Views

How can an Employer Reduce Workers' Compensation Claim?

How can an Employer Reduce Workers' Compensation Claim?

Workers' compensation claims can be a significant financial...Read more

09 Apr 2024 by Policybazaar 1460 Views

Is Workers' Compensation the Same as Liability Insurance?

Is Workers' Compensation the Same as Liability Insurance?

Many employers mistakenly believe that Workers' Compensation and...Read more

08 Apr 2024 by Policybazaar 2589 Views

What are the Benefits of Industrial Safety to Employees?

What are the Benefits of Industrial Safety to Employees?

Industrial workplaces come with inherent risks. Addressing these...Read more

08 Apr 2024 by Policybazaar 1645 Views

What Should You Do If a Worker is Injured on the Job?

What Should You Do If a Worker is Injured on the Job?

A workplace injury can be a stressful and disruptive event for...Read more

08 Apr 2024 by Policybazaar 2894 Views

Policybazaar for Business - Workmen Compensation Insurance - Customer Reviews

View all 92 reviews

View all

4.2

out of 5

Based on 92 reviews

8 users

68 users

16 users

0 users

0 users

4.3 June 28, 2023

Abha

Positive Experience

Thank you, PolicyBazaar, for providing such a positive experience and ensuring that well-being of my employees and business!

Lucknow

4 June 18, 2023

Shreaya

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.

Hyderabad

3.8 June 08, 2023

Raman

Nice Purchase

I purchased Workmen compensation plan which turn out to be the good decision. Thanks PB.

Pune

4.3 May 26, 2023

Mayur

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.

Delhi

4 May 21, 2023

Shivam

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.

Pune

3.8 May 16, 2023

Vishal

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.

Coimbatore

4 May 11, 2023

Aditya

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.

Chennai

3.8 May 06, 2023

Dhiraj

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.

Delhi

4.3 May 01, 2023

Abhiraj

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.

Mumbai

3.8 April 30, 2023

Anam

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.

Madurai

Disclaimers⁺
*All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. Premium varies on the basis of Occupancy, Business Activity & Coverage Type
By clicking on "View Plans" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

Claude