Workmen Compensation Insurance Protects your employees—and protects your business from legal liability.
Workmen Compensation Insurance (also known as Employee Compensation Insurance) protects your business from the legal and financial liability arising when an employee gets:
- Injured
- Disabled
- Permanently incapacitated
- Or dies
due to an accident during the course of employment.
Who Should Buy This Policy?
Any business that employs staff must take this insurance, including:
- Manufacturing units
- Shops and commercial establishments
- Construction contractors
- Warehouses and logistics units
- Hotels, restaurants, malls
- Facility management and housekeeping companies
- Service providers, technicians, drivers and field workers
If your employees face risk while working, this policy is essential.
Frequently Asked Questions
How to select the right Insurance Advisor for Export and Import, Voyage, Clearances, or Claims?
What is Public Liability Insurance?
It is a policy that protects your business if a third person (customer, visitor, vendor, neighbour, etc.) gets injured or their property is damaged because of your business activities.
What documents are a must to file claim?
Who is considered a “third party”?
If they suffer injury or property damage due to your business, the policy covers your liability.
- Visitors
- Customers
- Delivery personnel
- Vendors and contractors
- Neighbours
- General public
If they suffer injury or property damage due to your business, the policy covers your liability.
Why does my business need Public Liability Insurance?
Accidents can happen anytime. Even a small incident—like a visitor slipping or a machine causing property damage—can result in legal claims.
This policy protects you from legal costs and compensation payments, preventing sudden financial burden.
This policy protects you from legal costs and compensation payments, preventing sudden financial burden.
What types of incidents are covered?
Typical incidents include:
- Injuries on your premises
- Damage to someone else’s property
- Objects falling or machinery malfunction
- Leakage, fire, smoke or water damage affecting others
- Accidents during maintenance or repair work
What expenses does the policy pay for?
- Compensation awarded to the affected third party
- Medical expenses (if applicable)
- Legal costs for defending the claim
- Settlement charges (if approved by insurer)
Does it cover injury to my own employees?
No. Employees are covered under Workmen Compensation or Employee Compensation policies, not under Public Liability.
This policy covers non-employees only.
This policy covers non-employees only.
Does it cover damage to my own property?
No. It only covers damage caused to someone else’s property.
Your own property should be covered separately under a Fire & Property Insurance policy.
Your own property should be covered separately under a Fire & Property Insurance policy.
Does this policy help during legal cases?
Yes. The insurer pays:
Legal fees
Lawyer charges
Court expenses
Settlement amounts
up to the policy limit.
Legal fees
Lawyer charges
Court expenses
Settlement amounts
up to the policy limit.
Why should I buy Public Liability Insurance through GIMA Solution?
✔ Expert guidance to choose the right coverage limit
✔ Custom solutions for shops, factories, hotels, offices, contractors
✔ Competitive quotes from multiple insurers
✔ Full claim support and documentation assistance
✔ Simple explanation of terms and exclusions
✔ Custom solutions for shops, factories, hotels, offices, contractors
✔ Competitive quotes from multiple insurers
✔ Full claim support and documentation assistance
✔ Simple explanation of terms and exclusions
