Workmen’s Compensation
Workmen’s Compensation
Workmen's Compensation Insurance provides employers with coverage for their liabilities under both the Workmen’s Compensation Ordinance and common law. This coverage applies to situations involving the death, bodily injury, or illness of insured employees that occur during the course of their employment with the insured.
Main Coverages
- Medical Expenses: Coverage for reasonable and necessary medical treatment expenses incurred by employees due to work-related injuries or illnesses.
- Lost Wages: Compensation for lost wages or income replacement benefits to employees unable to work due to work-related injuries or illnesses.
- Permanent Disability: Benefits for permanent disability resulting from work-related injuries, including partial or total disability.
- Temporary Disability: Compensation for temporary disability resulting from work-related injuries, providing financial support during the recovery period.
- Vocational Rehabilitation: Assistance for injured employees to return to work through vocational rehabilitation programs or job retraining.
- Death Benefits: Financial support for the dependents of employees who die as a result of work-related injuries or illnesses, including funeral expenses and ongoing financial support.
- Legal Costs: Coverage for legal expenses incurred by employers in defending against claims under the Workmen’s Compensation Ordinance or common law.