Business insurance
Workmen's Compensation Insurance in Ghana
Cover for work-related injury, disability and death of employees.
In brief
Workmen's Compensation insurance covers an employer's legal liability to pay compensation to employees who are injured, disabled, fall ill or die because of their work. It protects your staff and meets your obligations under Ghana's Workmen's Compensation law.
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- Work-related accidental injury
- Occupational diseases
- Medical and hospitalisation expenses
- Temporary and permanent disability benefits
- Death benefit to dependants
- Employer's legal defence costs
What’s not covered
- Injury outside the course of employment
- Self-inflicted injury
- Injury under the influence of alcohol or drugs
- Genuine sub-contractors' staff unless declared
- Fines and punitive penalties
Who it’s for — Every employer in Ghana — from small firms to large workforces — especially those in construction, manufacturing, mining and other higher-risk sectors.
What does workmen's compensation cover?
The policy pays the compensation an employer is liable for when an employee suffers a work-related accident or occupational disease — including medical expenses, benefits for temporary or permanent disability, and a death benefit to dependants. It also covers the legal costs of handling such claims, removing a potentially serious cost from the business.
Is it a legal requirement for employers?
Ghanaian law makes employers liable to compensate workers for injury or disease arising out of and in the course of employment. Workmen's Compensation insurance is how responsible employers fund that liability, and it is frequently required to win contracts and satisfy regulators.
FAQs
Frequently asked questions
Are employers required to insure their workers in Ghana?
Does it cover occupational illness as well as accidents?
How is the premium calculated?
Need to make a claim?
We pay valid claims, fairly and quickly. See the four steps and the documents you’ll need.
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