In your case,however, the employer has to get registered with the ESIC and get a code and provide coverage to all its employees.(if all the 20 employees are working on your rolls and not contract workmen/women) and please,for some time forget about implemented or non-implemented areas.( Managements/Employers try to decieve/manage the authorities/employees to save the amount that would incur for registartion process and contributions)
ESIC Covergare should be, to all the employees,as per law point of veiw. Else, Provide the remaining with WC coverage ! Whatsoever, an employee(be it permanent,contract or apprentinceship, trainee) has to get that insurance cover.
If all the workmen/women are on contract basis, and working in non-implemented area, you can go with WC policy.
Being into IR , and i firmly believe, that a workman/woman must not be deprived of his/her rights and,whatsoever,must be gaurded/protected by the employer in all aspects possible, and that would definatly make an employer "THE BEST" employer.
Where an employee feels totally protected/safeguarded by the employer, his/her productivity increases,his/her commitment and dedication enhance, he/she becomes highly motivated, and a total positive atmosphere would prevail in that organization and that organization would lead the market..........
and the truth is, many organizations are not like that!, they just count on the money going out today,but forget about the returns they may get tomorrow! ,
i remember couple of such organizations, where excellet personnel management practices are applied.....TISCO and INFOSYS are one of the best in employee welfare practices....
( sorry for adding my own lines here, let it not deviate the actual point ;) )
M S V R K S
29th July 2011 From India, Bangalore