Workmen’s compensation insurance

Peace of mind for you and your staff

Workmen’s compensation insurance protects your business against the cost of compensating an employee should they become injured or ill as a result of their work. When under your duty of care, you are responsible for the health and safety of your workforce. If an employee falls ill or gets injured, as well as having to offer compensation, your business can be held liable for covering any medical costs and lost earnings that are incurred.  

Examples of the types of incidents and injuries covered by workmen’s compensation insurance include:

  • Injuries caused by trips, slips and falls
  • Injuries caused by faulty or misused equipment
  • Burns or other injuries caused by fire or corrosive substances
  • Injuries as a result of loose or falling equipment
  • Injuries sustained while bending or lifting
  • Repetitive-strain injuries
  • Any injury or illness caused by incompetence or negligence on the part of your business

Do I need workmen’s compensation insurance?

Under UAE Labor Law, businesses are required to compensate their employees for any ill health, accident, injury or death caused at or by the workplace. Without adequate cover you may therefore be liable for large payouts encompassing not just a compensation lump sum, but also allowance for loss of earnings and all medical and related costs.

With the modern-world fast becoming more litigious, compensation payouts are climbing and any business operating without sufficient compensation cover may not only be breaking the law but also running the risk of bankruptcy and insolvency.

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Protecting your business and your staff

As one of the leading providers of workmen’s compensation insurance in Dubai, Lifecare is fully compliant with UAE worker compensation law. Our cover includes any costs related to compensation, hospitalisation, medication and treatment of injury and illness, as well as funeral expenses in the event of a death. Plus, our cover extends to Employers Liability (EL) coverage which protects your business from any potential legal liability should an employee decide to take action as a result of illness or injury. In the worst case scenario, this type of cover can act as a last line of defence against bankruptcy and insolvency as a result of high legal costs and compensation payouts.

Workmen’s compensation insurance offers peace of mind for both employees and employers. As well as taking care of the financial impact of worker illness, injury, or death, our team is also on hand to assist with finding the right treatment for any incapacitated staff and ensure they are able to receive it without incurring any out-of-pocket expenses. We also process claims faster than many other providers in the region, ensuring your staff is back at work and productive as soon as possible.

Speak to our dedicated workmen’s compensation team

Our experienced team, based in Dubai, are at your disposal to deal with any issues that may arise as a result of a claim. We’ll make sure your experience with us is as timely and hassle-free as possible – prioritising the needs of your business and any affected staff.

Workmen’s compensation insurance isn’t just a failsafe: In many cases – depending on your location and the nature of your business – it may be compulsory. For more information on our range of insurance products – and to find out the level of cover you require – get in touch with our dedicated team today on +971 (0) 4 305 9500 or email info@lifecareinternational.com

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