This policy protects employers against liabilities that would arise due to mistakes or negligence on their part towards employees.

The Work Injury Benefits Act (WIBA) came into effect on June 2, 2008 replacing the Workmen’s Compensation Act. The Work Injury Benefits Act (2007) makes it compulsory for every employer to provide cover for all their employees against bodily injury, disease or death sustained and arising out of and in the course of their employment.

The Act provides for compensation to employees for work related injuries and diseases contracted in the course of employment.

Compensation is payable in accordance with the provisions of the WIBA Act 2007.

Compensation can take the form of either medical or funeral expenses or payments of awards either from the Ministry of Labour or legal authorities.

On loading the WIBA premiums by 30% the WIBA cover can be extended to cover Personal Accidents on 24hour basis.

The maximum compensation benefit is based on the actual salary earned in 96 months.