A Workmen's Compensation Policy, also known as Workers' Compensation Insurance, is a crucial coverage that protects both employers and employees. It provides financial assistance and medical benefits to employees who suffer work-related injuries or occupational diseases.
This policy covers the legal liability of the employer for accidental injury, death, or occupational illness of employees that occur in the course of employment, as mandated by Royal Decree 40/1977. In addition to offering medical coverage and rehabilitation benefits, the policy provides partial wage replacement for the injured or ill employees.
This comprehensive insurance ensures a fair and efficient system for handling workplace injury claims while safeguarding both the financial interests of employers and the well-being of their workforce.
Any employer whether as a Principal or contractor engaging an employee" as defined per local laws to cover his liability under statute and at common law.
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