Employee & Employer Liability Protection

Protection for Workers. Security for Employers.

Worksmen Compensation Insurance helps employers manage covered liability arising from work-related accidents, injuries and occupational risks, subject to policy wording, applicable law and the insured terms.

Workplace Injury

Protection framework for covered employee injuries arising from employment.

Employee Compensation

Eligible compensation is handled according to policy terms and applicable requirements.

Employer Liability

Helps businesses manage covered financial liability associated with workplace injury.

BROADER SCOPE

What is Worksmen Compensation Insurance?

Worksmen Compensation Insurance is designed for businesses that employ workers and face financial exposure when an employee suffers an injury arising out of employment. Republic Insurance PLC lists Worksmen Compensation Insurance among its non-life insurance products. Coverage remains subject to the issued policy, schedule, conditions, exclusions and applicable legal framework.

Work-Related Injury

Accidental bodily injury suffered by an employee in connection with employment, where covered.
Workplace accidents involving falls, machinery, tools, vehicles or other occupational hazards.
Death, permanent disablement or temporary disablement may be considered where provided by the policy.
Occupational risks may be covered where they fall within the policy and applicable requirements.

Employer Liability Protection

Helps employers manage covered compensation liabilities connected with employee injury.
Provides a structured insurance mechanism for workforce accident exposure.
Relevant to factories, construction, workshops, warehouses and other workplaces.
Actual liability and settlement remain subject to policy wording and applicable law.

Risk Structure

Workplace Risk & Compensation

Accidental Workplace Injury

A workplace accident can create human consequences for an employee and financial exposure for an employer. Prompt reporting and accurate records are important after an incident.

Compensation Support

Where a claim is covered, compensation is handled according to the policy terms and applicable legal framework.

Suitable Businesses

Who May Need This Cover?

Manufacturing and industrial factories.
Construction and engineering companies.
Garments, textile and processing facilities.
Workshops, warehouses and logistics operations.
Other employers with meaningful workplace accident exposure.

ADVANTAGES

Key Benefits of IAR

Liability Management

Helps manage covered compensation liabilities connected with workplace injury.

Employee Protection

Creates an insurance framework for eligible work-related injury consequences.

Structured Claims

A defined claims process supports systematic evidence collection and assessment.

Bank & Syndicate Approval

Can reduce financial disruption associated with unexpected covered injury claims.

Exclusions

What is Generally Not Covered?

Claims outside the scope of the policy or employer's insured liability.
Deliberately caused injury or fraudulent claims, subject to wording and law.
Persons, activities or risks specifically excluded or not declared.
Fines, penalties or liabilities that are not legally insurable.
Any other exclusion stated in the schedule, conditions or endorsements.

Documentation

Required Claim Documents

Claim notification with policy and employee details.
Accident report and workplace incident statement.
Medical certificates, hospital records and treatment documents.
Employee identification, employment and wage records.
Police report, death certificate or other official evidence where relevant.