Employer liability cover for eligible work-related injury or disease claims.
What this type of cover does
Can indemnify the employer for statutory liability to covered employees, subject to declared wages and occupations.
Who commonly considers it
Employers with staff or workers exposed to occupational risk.
What to check in the policy
Registered name and IRDAI registration details of the insurer or intermediary
Who is insured, when cover starts and when it ends
Sum insured or benefit amount, deductibles, co-payments and sub-limits
Waiting periods, exclusions, claim conditions and cancellation terms
Premium amount, taxes, renewal rules and consequences of missed payment
Claim contact details and the insurer’s grievance-redressal process
Features vary by insurer and product. A generic plan type cannot tell you whether a particular claim will be paid; only the issued policy wording can do that.
