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Bharat Laghu Udyam Suraksha Office Package Policy
Dec 18, 2023

Exploring In Detail: Workmen’s Compensation Act In Bharat Laghu Udyam Suraksha Office Package Policy

The Workmen's Compensation Act is a crucial piece of legislation in India. Since its inception, it has played a significant role in safeguarding the rights and welfare of the country's working population. It has ensured that covered employees receive adequate financial compensation if any unforeseen accident causes them personal injury during the course of their employment. The Workmen’s Compensation Act insurance cover is of particular importance in the context of the Bharat Laghu Udyam Suraksha Office Package Policy. For the uninitiated, this is an insurance plan designed to provide comprehensive coverage for small-level enterprises within the MSME sector. This general insurance policy also offers significant coverages such as building and contents cover, burglary and robbery cover, plate glass cover, and so on. * Claims are subject to terms and conditions set forth under commercial insurance policy. Let’s delve in detail into the Workmen's Compensation Act coverage within the framework of the Bharat Laghu Udyam Suraksha Office Package Policy. We shall also look at other benefits of the plan.

Workmen’s Compensation Act Cover under Bharat Laghu Udyam Suraksha Office Package Policy

The section for the Workmen’s Compensation Act cover in the policy states the following: *
  1. The coverage can be applicable if an employee sustains a personal injury by accident or disease arising out of and during employment by the insured in the insured’s immediate service during the policy period.
  2. In such a case, if the insured is liable to pay compensation for such an injury either under the law(s) set in the policy schedule or under Common Law, the insurer will indemnify the insured person against all sums for which the insured shall be liable. This is subject to the terms and conditions, as well as exceptions contained or endorsed in the policy.
  3. In addition, the insurer shall also take responsibility for all costs and expenses incurred within its consent in defending the claim for any such compensation.
  4. The section also states that in the event of any change in the law(s) or the substitution of other legislation related to the above-mentioned coverage, the policy shall remain in force. However, the liability of the insurer shall be limited to such an amount as the insurer would have been liable to pay if the law(s) had remained unchanged.
Claims are subject to terms and conditions set forth under commercial insurance policy. Thus, the Bharat Laghu Udyam Suraksha Office Package Policy offers considerable financial protection to the insured enterprise in situations where the Workmen’s Compensation Act can be applicable.

Special Exclusions applicable to the Workmen’s Compensation Act Cover

The policy also states some special exclusions for Workmen’s Compensation Act coverage within the policy’s scope. The insurer shall not be liable under the policy in regard to:
  1. Any injury by accident or disease directly attributable to war, invasions, acts of foreign enemy or hostilities (whether war has been declared or not), civil war, mutiny, insurrection, rebellion, revolution, or military or usurped power.
  2. The insured’s liability to employees of contractors to the insured.
  3. Any liability of the insured which is attached by the virtue of an agreement, but which would not have been present in the absence of such an agreement.
  4. Any amount which the insured would have been entitled to recover from any party but for an agreement between the insured and the party.
Note that along with the exclusions mentioned above, the coverage is also subject to the general set of exclusions, as well as terms and conditions stated in the plan.

Other Coverages under Bharat Laghu Udyam Suraksha Office Package Policy 

This general insurance policy offers several other significant types of coverage, some of which are as follows: *
  1. Building and contents cover

The policy covers damage to the building and its contents against various events as noted in the policy wordings and specified in the policy annexure.
  1. Burglary and robbery cover, including theft

This cover offers protection from loss or damage, or both in some cases, due to robbery or burglary to the insured enterprise as specified in the policy wordings.
  1. Money insurance cover

If money is lost in transit due to unforeseen events while being carried by the insured or their employee, adequate compensation may be paid as per policy wordings.
  1. Plate glass cover

Loss or damage to the plate glass within the insured premises shall be covered, subject to policy wordings. Other coverages include breakdown of office equipment cover, baggage cover, electronic equipment cover, personal accident cover, hospital cash daily allowance, and so on. Claims are subject to terms and conditions set forth under commercial insurance policy. All the different types of coverage are subject to special conditions and exclusions listed in their section, as well as the general set of exclusions and conditions.


The Bharat Laghu Udyam Suraksha Office Package Policy is a beneficial MSME insurance policy for small-level enterprises. With the right financial support from such a policy, these enterprises can focus more on their business growth and reach newer heights uninterrupted.   * Standard T&C apply. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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