What is covered:  Payment of statutorily specified (Employers' Liability Act) benefits following death, diseases contacted, incapacitation and certain expenses to the insured persons caused by accident, and diseases contacted in course of employment.

Who can be insured  All category of employees employed by an employer of labour (Applicable to employers of above 5 employees)

Details Required:  
Categorization of the employees according to their occupation and the related estimated total earning per category.



What is covered:  Payment of compensation for loss or damage to contract /construction work; the contractor’s equipment/machines (whilst in transit to and from the camp site and in the camp site) and the general third party liability to the public in the course of discharging the contract/construction work.

What can be insured: The Project Works, the Contractors Equipment, tools and the general third party liability that may arise in the course of the construction or erection work.

Details Required:       
Occupation of the insured company.
Probable Minimum Limit for General Third Party Liability
Probable Total/Minimum Equipment Value exposed at a time
Probable Aggregate/Maximum Contract Value any one year


C.     BONDS/GUARANTEES (Advance Payment, Performance, Credit)

What is covered:  A surety/guarantee for the contract money advanced to the contractor and the assurance that contract work will be performed as per contract agreement as well as that credit advanced will be duly obliged.

Who can be insured: Individuals and contractors for contract job awarded to them and as required by the principal/employer or the person advancing the credit facility.

Details Required:       
Copy of the contract paper stipulating the bond requirements and details of the contract.
Company Seal and other documents on the corporate existence of the company.


If you can please provide us with the  appropriate details required under each highlighted risk, we will promptly forward to you competitive premium quotes that will enable you appreciate the affordable cost of risk transfer mechanism that will make you take  appropriate decision on your insurable risks accordingly.


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