Workmen's Compensation Insurance

Introduction

The Policy is issued to comply with Section 26 of the Workmen's Compensation Ordinance 1952. The Ordinance lays out rules and regulations for the Employer and his liability to insure the workers. The law also lays down Scales of Compensation which an Employer is legally obliged to pay his employees or dependants as the case may be.

Scope of Cover

• If during the period of insurance any employee in the Insured's immediate service sustains personal injury by accident or disease arising out of and in the course of employment and if the Insured is liable to compensate for such injury either under the Workmen's Compensation Ordinance or at Common Law. THEN, the Company will indemnify against all such sums and in addition will be responsible for the costs and expenses.
  
• An employer can be held liable at Common Law if it can be proved that the injury was caused by the employer's
  
• personal negligence
• Failure to exercise reasonable care in the selection of competent employees.
• Failure to provide proper machinery or appliance, and to maintain them in good order.
• Failure to provide a safe place of work.
• Failure to provide a safe system of work.

If any of the above torts can be established a workman has the option of either seeking relief or compensation under the Ordinance OR under Common Law. He CANNOT, however elect to claim both. Common Law compensation can only be successful if negligence can be attributed to the employer and the quantum is based on the injuries sustained and loss of earning capacity Compensation under the Ordinance is payable regardless who is negligent.

For further information about this product, please contact our nearest branch and our customer service staff will gladly assist you.