Employee & Group Insurance
Protect Your Employees. Protect Your Business.
Employee Compensation insurance responds to employer liability arising from workplace injury, disability and occupational disease.
Overview
Employee Compensation Insurance
Where work involves physical activity, machinery, sites or field operations, employer liability is a real business exposure.
Employee Compensation insurance is designed around that statutory and contractual liability.
Our Approach
We compare. We explain. We recommend. You decide.
- Understand your requirement
- Shortlist up to 3 suitable options
- Compare coverage and conditions
- Receive a clear recommendation
Businesses That Commonly Need It
Coverage Areas
- Accidental Death
- Permanent Disability
- Temporary Disability
- Occupational Injuries
- Occupational Diseases
- Legal Liability
Employee Compensation vs GPA vs Group Health
Three different covers, three different purposes. Many businesses need more than one.
| Cover | Primary Purpose | Responds To |
|---|---|---|
| Employee Compensation | Employer's legal liability towards employees | Workplace injury, occupational disease and related legal liability |
| Group Personal Accident | Defined benefits to the employee | Accidental death and disability, typically 24x7 |
| Group Health | Medical treatment cost | Hospitalisation arising from illness and injury |
Your Three Shortlisted Options
Instead of overwhelming you with dozens of policies, we shortlist up to three suitable options and explain how they differ.
Best Overall Fit
The option that appears to match your requirement most closely on coverage, conditions and long-term suitability.
Value-Focused Option
A balanced option where the premium and the coverage offered work well together for your requirement.
Alternative Option
A different structure, insurer or coverage combination worth considering before you decide.
The Policy360 Process
A Smarter Way to Choose Insurance
A structured, seven-step advisory process that ends with your informed decision.
01
Understand
We understand your requirement, profile and risks.
02
Assess
We assess coverage requirements and priorities.
03
Shortlist
We shortlist up to 3 suitable options.
04
Compare
We compare coverage, limits, conditions and premium.
05
Explain
We explain strengths, limitations and exclusions.
06
Recommend
We identify the option that fits best.
07
Decide
The final decision always remains yours.
FAQ
Frequently Asked Questions
Enquire About Employee Compensation Insurance
Tell us what you need and our team will get back to you with suitable guidance and up to 3 comparable options.