Workmen’s Compensation

 

	Workmen's Compensation Insurance
	Employer's Liability

 

WORKMEN'S COMPENSATION INSURANCE

Employers may purchase this insurance to cover all their workers falling within the definition of "workman" in the Workmen's Compensation Act 1952 against personal injury by accident or disease arising out of and in the course of their employment with them. In addition, this policy also indemnify the Employers being sued by their workers for negligence.

Note:
a) "Workman" is defined as any person who has, either before or after the commencement of this Act, entered into or works under a contract of service or of apprenticeship with the employer, whether by way of manual labour or otherwise, whether the contract is expressed or implied or is oral or in writing, whether the remuneration is calculated by time or by work done and whether by the day, week, month or any longer period.

b) It is mandatory under Section 26(2) of the Workmen's Compensation Act 1952 that employers must insure all their foreign workers under the approved insurance scheme known as "Foreign Workers Compensation Scheme".

EMPLOYER'S LIABILITY INSURANCE

Employers may purchase this insurance which indemnify them against their legal liability at law to pay compensation and claimant's costs and expenses in respect of bodily injury by accident or disease sustained by the insured employees in the course of employment with them. The coverage also includes all costs and expenses incurred with the consent of the Company. Employees to be covered include local employees who are not eligible for contribution to the SOCSO scheme.