General Insurance · intermediate
Employees' Compensation Insurance
An employer's liability to compensate employees for work injuries under Chapter VII of the Code on Social Security, 2020: who is covered, how compensation is worked out, claims and penalties, and how an employees' compensation policy insures it.
- 01The Law Today: Code on Social Security, Chapter VIIWhich law now governs compensation for work injuries in India: Chapter VII of the Code on Social Security, 2020, the Central Rules of 2026, the competent authority, and how the position differs from older material written under the 1923 Act.
- 02Who Is Covered and When the Employer Is LiableWho counts as an employee under Chapter VII of the Code on Social Security, 2020, how it fits with Employees' State Insurance, the test for the employer's liability, and the exceptions and their limits.
- 03How Compensation Is Worked OutHow compensation is worked out under section 76 of the Code on Social Security, 2020: the formulas for death, permanent total and partial disablement and temporary disablement, the age factor, medical expenses and the funeral deposit.
- 04Claims, Delay, Appeals and PenaltiesThe procedure under Chapter VII of the Code on Social Security, 2020: notice and the two-year claim period, deposit in death cases, interest and damages for delay, appeals to the High Court, the employer's duty to inform, and the offences.
- 05Insuring the Liability: Employees' Compensation PolicyHow an Employees' Compensation insurance policy insures the employer's liability under Chapter VII of the Code on Social Security, 2020: what it covers, how premium is worked out in market practice, common exclusions, and points to check in the wording.