Workmen's Compensation insurance protects businesses against employee death, bodily injury and illness arising out of work related exposures in accordance with the [country] Laws. In addition, the policy provides coverage for accidental medical benefits in private hospitals and clinics and repatriation expenses.

It also covers associated costs such as claimants' legal fees and the costs of defending the action. This insurance will normally provide protection against the cost of defending prosecutions of the insured under health and safety legislation with regard to incidents relating to employees.