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This class of insurance provides cover for liability at law if an employee in insured’s service shall sustain bodily injury arising out of and in the course of his employment by the insured in the business. A workman is not considered employed until he reaches the place of work and employment ceases immediately the workman leaves the place of work.

When the workers live in the estate or employers rented house or at their own premises and the employer provides free transportation or mileage allowance from the worker’s house to place of work, accident occurring to that transport would generally come under Workmen’s Compensation Act.

This policy is issued on declaration basis that is at the end of insurance period the insured must make declaration of actual earnings earned by employees and the premium adjusted accordingly.