Employee Compensation to Household Staff

The Company will pay for compensation and litigation expenses which Insured and/or his family members shall become legally liable to pay as a householder occupying the premises specified in the schedule on account of Death or Bodily Injury to insured’s domestic staff arising out of and in the course of employment in the insured premises under
a. Workmen Compensation Act 1923 or any amendment thereto.
b. Fatal Accidents Act 1855 or
c. Common Law
The liability of the company shall not exceed the sum insured specified in the schedule for any one accident or series of accidents arising from one event or cause and for all accidents occurring during the period of insurance.
The company shall not be liable for any interest and/or penalty imposed on the insured on account of failure to comply with the requirements laid down under Workmen Compensation Act 1923 or any amendment thereto.

Conditions:

1. All household workers working under the insured will have to be covered.
2. The minimum wages as per the Act is Rs.8000/per month which will be taken for premium calculation purposes.
3. Warranted that work at heights is restricted to 50 metres and all recommended safety precautions for work at height are implemented at all times during the policy.

Exclusions:

The Company shall not be liable to make any payment for liability arising out or incidental to the following:
1. Any injury by accident or disease directly attributable to war invasion act of foreign enemy hostilities (whether war be 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 attaches by virtue of an agreement but which would not have attached in the absence of such agreement.
4.Any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and such party.
5.Insured’s occupation or business, trade or employment.
6.Insured’s and or his Family’s ownership, possession or custody of animals, vehicles, airborne or water borne vessels or craft of any kind, or any mechanically propelled vehicle other than gardening equipment and wheelchairs.
7.The transmission of any communicable disease or virus.
8.Liability arising out of Domestic violence and sexual harassment of domestic staff.