Employers in manufacturing, construction, logistics, and other industries where employees are exposed to occupational hazards are legally obligated to maintain this coverage.

It provides compensation for medical expenses, loss of wages, disability benefits, and death compensation as defined under the Employees’ Compensation Act.

Yes, coverage can include contractual, temporary, or outsourced employees if they are under the principal employer’s supervision and included in the policy schedule.

Exclusions generally include wilful misconduct, self-inflicted injury, and claims outside the scope of employment duties.