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How Can We Cover Against Any Mishappening of An Outside Worker Came For Repairing Work In A Factory.?
From India, Meerut
Further to expand the query- How can factory secure self for worker social benefits.
From India, Meerut

Since the person is working inside your premises you need to cover them under ESI Act 1948, if applicable, or else cover all people inside the premises in a comprehensive accident insurance policy. Ultimately it is your liability to create an insurance coverage. .
From India, Mumbai

I would recommend that you introduce a Work Permit System.

There should be provision in the Work Permit System to review whether the external worker holds a valid ESI number and is covered under ESI by the service provider who deploys him/ her inside your premises to carryout work.

If the service provider claims that he / she is outside the purview of ESI coverage, due to the fact that he/ she draws wages exceeding Rs.21,0000/- and hence excluded from ESI purview, then you should seek Personal Accident cover (PA) or Workman Compensation (WC) Insurance policy, that covers the external worker.

Having said this, I would still recommend coverage under WC Insurance, as the liability under WC Insurance will be wide and will be statutorily compliant.

If he/ she is neither covered under ESI act nor covered under the WC policy, it would be better to obtain a ESI form duly filled by him/ her giving all his/ her particulars and we can recover 3.25% + 0.75% of Employer and Employer contribution from the bill payable to the service provider and remit this amount to ESI.

Once, the service provider recognises that there will be a 4% reduction in their billing amount, they are more likely to cover their employees under PA or WC policy to maximise their profit margin.



From India, Madras
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