Workers Compensation Insurance
Give your employees confidence with dependable coverage. Our plans include medical care, disability benefits, and wage support to protect your people and strengthen your business.
Partnerships With Trusted Pakistani Insurance & Financial Providers
Workers Compensation Insurance
Protect Your Employees. Protect Your Business.
At Pak Motor Guard, we understand that your employees are the backbone of your company. Workplace injuries can happen at any time—even in the safest environments. Workers Compensation Insurance helps you stay prepared by protecting your staff and safeguarding your business from unexpected financial loss.
We offer customized coverage solutions for businesses across Pakistan, from manufacturing and construction companies to service providers and transport operators.
Why Workers Compensation Insurance Matters
Employees face various risks on the job slips, falls, equipment accidents, and occupational illnesses. Without proper protection, these incidents can create financial burdens for both workers and employers.
Workers Compensation Insurance ensures:
- Injured employees receive medical care
- Lost wages are compensated
- Rehabilitation and recovery support is provided
- Employers stay protected from legal claims
When your workforce feels secure, productivity increases and trust strengthens.
What Our Workers Compensation Policy Covers
Our coverage is designed to support both employees and employers. Depending on your business needs, your policy may include:
1.Medical Expense Coverage
Covers doctor visits, emergency care, hospital bills, surgeries, and medicines required after a workplace injury.
2. Lost Wages Compensation
Provides financial support to employees who cannot work due to injury or illness.
3. Disability Benefits
Offers short-term or long-term disability payments if the injury affects the employee’s ability to work.
4. Rehabilitation & Recovery Support
Includes physical therapy, occupational therapy, and other recovery treatments.
5. Death & Funeral Benefits
Supports the family in case of a fatal workplace accident.
6.Legal Liability Protection
Shields employers from lawsuits and legal expenses arising from workplace injuries.
Who Needs Workers Compensation Insurance?
This insurance is essential for businesses that want to protect their workforce and meet industry safety expectations. Ideal for:
- Manufacturing units
- Transport & logistics companies
- Construction and engineering firms
- Maintenance and repair services
- Warehousing and distribution centers
- Food processing industries
- Retail and service-based businesses
No matter how big or small your company is, having workers compensation coverage is a smart and responsible business decision.
Common Claim Scenarios
Workplace Slip & Fall Accident
Scenario: An employee slips on a wet floor in your facility and injures their back, requiring medical treatment and time off.
Outcome: Workers Compensation Insurance may cover medical expenses, therapy sessions, and lost wage compensation during recovery.
Machinery or Equipment Injury
Scenario: A machine operator’s hand gets injured while using industrial equipment in a factory.
Outcome: The policy may cover emergency medical care, surgery costs, and disability benefits if the injury affects long-term work ability.
Workplace Fire or Exposure
Scenario: An employee suffers burns or smoke inhalation during a small fire or chemical accident in an industrial facility.
Outcome: The policy may cover emergency treatment, hospitalization, and ongoing medical care.
Customized Protection for Every Member of Your Workforce
Every business is unique and so are the employees who keep your operations running smoothly. From office staff and field technicians to factory workers and drivers, each role carries different levels of risk. That’s why we offer tailored Workers Compensation Insurance solutions designed to fit your company’s specific needs.
Frequently asked questions
Is Workers Compensation Insurance mandatory in Pakistan?
While not legally mandatory in all industries, many businesses choose it to protect employees and avoid legal issues.
Who is covered under the policy?
All full-time, part-time, and contract workers can be included, depending on your company’s policy design.
Does the insurance cover accidents outside the workplace?
Work-related travel injuries are typically covered, depending on the policy.