Employees' Compensation
Employees' Compensation insurance covers an employer's liability under the Employees' Compensation Act 1923 for injury, disablement or death of workers arising out of employment. In India it is placed privately, alongside ESI as the statutory health floor — which is why it is a real, quotable line here where it is a state scheme elsewhere.
Quotable — structured intake, technical benchmark, comparison · Updated 2026-09-05
The wage roll captured as a split at the statutory ceiling, so the quote is right the first time.
What the RFQ captures
- Wage roll split above and below the notified wage ceiling — a total-only submission is quoted wrongly
- Table A or Table B: liability under the Act alone, or with common-law and Fatal Accidents Act liability added
- Headcount by occupation class
- Medical extension and contractors' employees, if wanted
- Claims history and any ESI-covered population
What changes for the broker
The single most consequential intake question is the wage split. Employees above and below the ceiling attract very different rates, and a submission that gives only the total is quoted in the client’s disfavour. Bridge asks for the split, asks the Table A / Table B question every source system forgets, and carries both into the RFQ so insurers price the same liability.
Why this line is Indian
The South-East Asian platforms swap work-injury cover for supplementary group accident because theirs is a state scheme. India places the liability privately. Bridge’s catalogue keeps Employees’ Compensation as a placeable line by design.
Questions
What is the difference between Table A and Table B?
Table A covers the employer's liability under the Employees' Compensation Act only. Table B adds liability under the Fatal Accidents Act and at common law. The choice changes what is actually covered, and Bridge asks it at intake.
What is the current wage ceiling?
It is set by government notification and changes. Bridge holds it as dated configuration rather than a constant; the figure on the site is deliberately not quoted until sourced against the current notification.