Workmen's Compensation (WC) Insurance
Statutory cover for employer liability under the Employee's Compensation Act.
Understanding Workmen's Compensation (WC) Insurance.
WC insurance covers an employer's statutory liability to pay compensation for injury, disability or death of employees arising out of and in the course of employment, under the Employee's Compensation Act, 1923.
Mandatory in many industries — WC pays a defined statutory compensation per scale even when the employer is not negligent.
What's actually inside this cover.
- Statutory compensation as per Act
- Medical expense extension
- Common-law liability extension
- Sub-contractor cover available
- Statutory compensation for injury / death
- Medical expenses (as opted)
- Legal costs in employee claims
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Worker injured on factory floor; statutory compensation paid.
Death of employee at site; family receives compensation as per the Act schedule.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Workmen's Compensation (WC) Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
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