This policy provides comprehensive protection to the employer against legal liabilities arising from accidents resulting in bodily injury or death of employees during the course of their employment. Coverage is applicable strictly during working hours.

Compensations are determined based on the salary of Employee, along with the degree of incapacitation as assessed by attending doctors.

Additionally, the policy can be extended to encompass Common Law liability, particularly when an employee seeks further compensation beyond the limits tied to the Employee’s salary and resorts to legal proceedings.