The insured should be in your payroll. In the eventuality of claim, the insurance companies verify your attendance, paysheet and appointment procedures.
I share my experience while working on a contracting company. We covered only 50 workmen whereas in actual we did employ around 125 workmen. One worker met a fatal accident while on duty. We preferred a claim based on the compensation derived by WC commissioner, labour Office. But our claim was rejected as the insurance companies had discovered that we had engaged more workmen than the numbers mentioned in WC policy. Principal employer deducted the compensation payable from our bills and deposited with the Labour commissioner.
Regards
R.Ponraj
I share my experience while working on a contracting company. We covered only 50 workmen whereas in actual we did employ around 125 workmen. One worker met a fatal accident while on duty. We preferred a claim based on the compensation derived by WC commissioner, labour Office. But our claim was rejected as the insurance companies had discovered that we had engaged more workmen than the numbers mentioned in WC policy. Principal employer deducted the compensation payable from our bills and deposited with the Labour commissioner.
Regards
R.Ponraj