Workers Compensation Insurance (Employers Liability)

What is Workers’ Compensation Insurance?

Workers’ compensation policy covers accidental injury and/or death of an individual employee during the course of employment.

Why do you need Workers’ Compensation Insurance?

Workers’ compensation insurance is a state regulated insurance system that ensures medical bills and some lost wages are paid for employees injured on the job or who have work-related diseases or illnesses.

Goldstar’s Workers Compensation includes Employers Liability cover, further details are below.

What is covered under the Workers’ Compensation Insurance Policy?

Employees covered by workers’ compensation receive benefits based on the type and severity of their injuries. Typical benefits include:

  • Temporary total disablement/permanent total disablement.
  • Medical benefits for medically necessary treatment of work-related injuries and illnesses;
  • Income benefits for a specified period of time up to a certain limit set by law;
  • Compensation for burial expenses for employees killed on the job;
  • Death benefits for dependents of employees killed on the job; and
  • Repatriation expenses.


What are the additional benefits under a Workers Compensation policy?

  • Policy can be extended to cover Personal Accident Risks;