Employees' Compensation: Table A, Table B and the wage split

Employees’ Compensation insurance covers an employer’s liability under the Employees’ Compensation Act 1923 for injury, disablement or death of workers arising out of and in the course of employment. In India it is placed privately, alongside ESI as the statutory health floor. Two intake questions decide whether the quote is right.

Table A or Table B

• Table A covers liability under the Employees’ Compensation Act alone.
• Table B adds liability under the Fatal Accidents Act 1855 and at common law — the claims a worker or family can bring outside the statutory scale.

The choice changes what is actually covered. Most source systems never ask it; Bridge does, at intake, and carries the answer into the RFQ so every insurer prices the same liability.

The wage split

The Act’s compensation scale works on monthly wages up to a ceiling set by government notification. Employees above and below that ceiling attract very different rates. A submission that gives only the total wage roll is priced as if the whole workforce were on one side of the line — usually to the client’s cost.

Ask for the split, not the total. Bridge’s Employees’ Compensation questionnaire captures the wage roll above and below the ceiling and the headcount by occupation class. The ceiling itself is held as dated configuration, updated against the current notification — which is why this guide does not quote a figure.

Alongside, not instead

Group personal accident is a benefit the employer chooses to buy; Employees’ Compensation is the employer’s statutory liability. A manual workforce needs both, and Bridge places them as separate lines in one programme.