Workers Insurance, also known as workers’ compensation insurance provides benefits to your employees who may get sick or injured from any work-related causes, it also covers disability and death benefits.
This type of insurance is designed to protect both the employer and workers as it reduces the employer’s liability for work-related injuries and illnesses.
Workers’ compensation insurance serves as a social contract between management and labor, where in exchange for providing compensation the business owner is protected against civil lawsuits that may arise from their workers getting sick or injured on the job.
If your worker or employee suffers from work-related injury or sickness, Workmen’s compensation Insurance covers the following;
Workmen’s compensation insurance covers medical expenses associated with work-related accidents that cause minor and major injuries. This may include emergency room expenses, necessary medical prescriptions and surgeries. For example; if you have a contracting company and one of the carpenters cut their hands at a customer’s home; workers’ compensation insurance will cover the visit to the hospital and related medical prescription.
In some cases, working conditions may expose your employees to harmful chemicals that cause illness. Workmen’s compensation insurance provides coverage for the costs of necessary treatments if your employee gets sick due to a work-related condition or incident.
In some cases work-related injuries may be severe enough to cause temporary or permanent disability. Workers’ compensation insurance covers the medical bills and expenses arising from such injuries.
Workers compensation provides coverage In the unfortunate event that one of your employees loses their life from a work-related incident
There are several factors that play a role in determining the quotation for your Compensation insurance. These factors include; the size of your business and the specific roles of your employees.
Worker’s compensation insurance policy covers employer’s Liability as per Sharia/ Common Law.
Workers compensation benefits are not available for employees who hurt themselves outside the scope of work. Benefits are also not applicable to intoxicated employees who get into an accident, or workers who hurt themselves intentionally
Compensation payable under this policy is determined as per Qatar Labor Law.
