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Liability Insurance

Workmen’s Compensation Policy offers monetary compensation to the employees for the legal responsibility of the employer as per Royal Decree 40/1977 and its subsequent amendments to pay on the event of an injury or death arising out of and in the course of their employment.

Scope of Cover

  • Death
  • Permanent Total Disability
  • Permanent Partial Disability
  • Salary for the period of absence from work due to occupational injury / illness
  • Medical Expenses (hospital admission, surgical expenses, cost of medicines etc.)

Extensions

  • 24 hours coverage on duty or off duty
  • Repatriation of injured workman
  • Repatriation of the deceased remains to the hometown including ambulance charges, preparing mortal remains etc.
  • Emoloyer’s liability

Exclusions

  • Insured’s liability to employees of Contractors to the insured
  • Any employee who is not a workman
  • Any liability of the Insured under Common Law and/or Sharia Law other than as specified in the schedule
  • Willful act or omission
  • Liability under contract or agreement

Underwriting Information Required

  • Designation/category of employee
  • Occupation/nature of business
  • Estimated annual wages

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