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Workmens Compensation Insurance Tariff

August 01, 2025
WORKMEN’S COMPENSATION TARIFF GENERAL REGULATIONS Appl ication of Tariff 1. This tariff applies to all policies issued to Employers to provide compensation to their Employees in respect of a ccidents and diseases of occupation, whether or not such employees come within the scope of t he Workmen‟s Compensation Act, 1923, and subsequent amendments thereto. Any risk, or any part thereof, for which a rate is not provided in the tariff, must be submitted to appropriate Reg.Offices who fix the Tariff rate for such ri sks. Liability covered 2. The Tariff provides for two forms of insurance viz : - Table „A‟ - Indemnity against legal liability to all employees (whether or not com ing within the definition of the term Workmen) under the W.C.Act 1923 and subsequent amendment to the said Act prior to the date of issue of the policy, the Fatal Accidents Act, 1855 and at C ommon Law.” Table „B‟ - Indemnity against legal liability under the Fatal Accidents Act, 1855 and Common Law. (Table „B‟ policies may not be issued to cover employees who fall within the def inition of “Workmen” under the Workmen‟s Compensation Act, 1923 as amended). No Policy is to be issued to cover li ability in excess of that provided by the Tariff forms of Policies and Endorsements unless speci fica lly authorised. 3. (a) No policy is to be issued which covers only a portion of the legal liability except in the case of Insurances (i) to cover fa tal accidents only in Coal Mines; (ii) in respect of risks situated in Karnataka State whereunder no liability is to be assumed in respect of Miners‟ Phthis is or Silicosis under the
Mysore Workmen‟s Compensation Regulation. All Employees to be incl uded: (b) When table “A” policy is issued all employees coming within the provision of the WC Act 1923 and subsequent amendments by the said Act must be included. In the case of employees in Private employee a policy may be issu ed covering any class of servants for which separate rates are fixed provided that class are included in the policy. N.B.1 In the case of public Bodies and/or Muncipal ities , it is, however, permissible to insure complete Sections or Units thereof separately as individ ual risks, such as Pow e r Hous es, Water Works, Gas Works, Transport Ser vice, Sewage, etc. provided all the employees who are entitled to the benefits of the Workmen‟s Compensation Act, 1923, of the Department or Unit concerned are included under the terms of any Policy issued in respect thereof. N.B.2 In the case of risk coming under the purview of the Employees State Insurance Act 1948 it is however permissible to issue separate Table “B” W orkmen‟s Compensation Policies covering those members of the staff , who are not “employees” within the meaning of that Act, provided all such employees in the Insured‟s service are included therein. Note 1: - The above Regulation does not however, prohibit the issue o f joint or separate policies by two or more Insurers sharing the insurance of a risk as Co - Insurers , provi ded alwasys that the entire legal liability in respect of the risk is fully covere d, reimbursement by the insurers being limited to their agreed proportions, and the period of cover under the joint or di fferent policies is concurrent. Note 2: - In the event of non - renewal of any of the policies, or alteratio n in the terms of cover granted under any of the policies all insurers sharing the risk must be advised by the leading Office.
Terms of Insurance : 4. (a) All policies are to be issued for 12 months except that; (1) Policies may be issued for a period in excess of 12 months where an addi tional odd period is required to make a policy ren ewable on a particular date to meet the convenience of the Insured. (2) Policies may be issued for a period less than 12 months in cases of speci fic contracts or work which will be completed in less than 12 months provided policies be written for the full period involved. All premiums must be paid in advance for the full term of the Policy. Accepting or agreeing to accept of premiums by instalments is not permitted. Cancellation: (b) No refund may be granted for the cancelment of annual Policies un less the policies are cancelled by the Company as provided under Policy Condition No.7 (This Regulation does not affect the provision in Policy Condit i on No.6 for adjustment of premium at the normal termination of any period of insurance or at the termination of the work which was the subject of Insurance.)
5. The rate quoted in this Tariff are in rupees per mille except in certain cases which are rated per capita and ap ply to Table “A” policies. Except in cases which are rated per capita the premium must b e calculated at the book rate on the total earnings (see Regulation No.7 ) upto Rs.12000/ - per annum and for the excess amount premium shall be calculated at 61/4% of the book rate subject to minimum rate of Rs. 2/ - per mille per ann um or if not engaged in manu al labour and provided all such employees are i ncluded at a minimum rate of 1.20 per mille per annum.. The rates in this tariff are based on the benefits of the Ordinances and Common Law Damages in this country. Tariff Insurers, when dealing with the rating of risks where because of the nationality of the employers or the employees Common Law claims may be brought in countries other than that to which the Tariff r elates, should have regard to the amount of damages likely to be awarded in those countries and to the costs involved in handling such extra te rr itorial claims. Occupational diseases listed in Part “C” schedule III to W.C. Amendmen t Bill 1989 may also be covered under the W.C. Pol icy at an addition al premium of 50% of the book rate. Minimum Premiums 6. Except in the case of Domestic Servants insurances for which the minimum premium is Rs.10/ - and except where otherwise provided, no Policy is to be issued at premium less than Rs.20/ - or the rate per mille or the particular risk, whichever is the greater, provided that : - (a) In the case of a risk including more than one rate, for the trade (or where more than one trade is carried on the rate for the more highly rated trade) is to be the minimum premium but in no case shall such min imum premium be less than Rs.30/ - . (b) In all trade where wood working machinery is used the minimum premium is to be the rate per mille for wood - w orking machinists or the rate for the trade, whichever is the higher.
(c) The minimum premiums apply to a year or any less period for wh ich the insurance is granted, and when a policy is issued for a minimum premium the fact must be expressed on the face of the Policy or by Endorsement. Earnings, Wages and Salaries 7. The terms „Earnings‟, Wag es and Salaries shall mean the employees total remuneration paid or fallen due for payment including overtime, value of board and/or lodging, housing accommodation bonuses and all other perquisites privileges or benefits in kind or money, received by the employe es from the employer in connection with their empl oyment which are capable of being estimated in money. These terms do not however include any travelling allowance or the value of any travelling concession or a contribution paid by the employer of a workm an towards any pension or provident fund or a sum paid to a workm an to cover any special expenses entitled on him by the nature of his employment. No deductions shall be made in respect of any contributions paid by employees in connection with pension or provident funds or of income tax deducted at so urce. Board and lodging When provided by the employer board and lodging must be assessed at its fair valu e but at not less than 20% of the basic pay plus dearness allowance, bonus and other allowance s excluding overtime wages, unless specially authorised by the Committee. Board only or lodging only must be assessed at its fair value but at not less than 10 percent of the basic pay plus d earness allowance bonus and other allowances excluding overtime wages, unless specially authoriesed by the Co mmittee. Clerical Staff and Commercial Travellers 9. Clerical staff and Commercial Travellers risks are to be extracted from the general trade risk and rated according to Tariff.
Wages Adjustment . 10. It is not permissible to agree to forego declaration of wages upon the Tariff wages, Adjustment Statement due at the end of each period of insurance for the purpose of premium adjustment. All - round Rates: 11. The mark + signifies that rate is an all - round one to be applied to the earnings of employees except the following who are to be rated at their book rates instead of at the trade rate: - Clerical Sta ff - See also regulation No.9 Commercial Travellers - See also Regulation No.9 Woodworking Machi nists - See also Regultion No.13 Lift Attendants: Employees engaged in Delivery i.e. employees engaged in delivering by hand, hand craft, cycle horse, horsedriven vehicle or motor vehicle of any description b ut excluding loading and unloading craft or vessles; and Motor Drivers as provided for by Regulation No.15 N.B. It is most important that employees in the occupations mentioned above be rated as provided for. If Insurers are of the opinion that Woodworking Machinists, Lift Attendants, Commercial Trav e llers or employees engaged in Delivery may be employed and the Insured has not made separate provision for them, Endorsmenet 5,9, 10 or 11 (as the case may be) should be inserted in policies. Occupations comprising more than one risk 12. For occupations marked * comprising more than one risk for which separate rates are fixed, each carried on by separate staff in separate building or separate portions of the same building the wages may be stated separa tely, and each
portion of the risk rated according to schedule, otherwise the highest rate applicable must be charged on the total wages. In s uch cases, however, where this ruling cannot be applied on accou nt of the tem porary character of the work , and the employer will make a separate estimate and will und ertake to keep a se parate account of the wages paid in respect of any special class of work not usually undertaken by him, the premium may be calculated upon such special of Wages at the Tariff rate. Wood Working Machinists 13. In every description of risk. where Wood - working Machinists are employed the Tariff rate of Rs.30.15 per mille for such employees must be applied, where or not there is a Wood - working Machinists rating in the Rate Book for the trade in question and such rate must be applied amended vide TAC Circular WC/GEN - 1 dt.20.3. 55 all employees whether wholly or partially engaged with wood - w orking machinery. The term “Wood - working Machinists” means and their labourers engaged in connection with wood working machinery driven by steam, gas w ater electricity or other mechanical power. 14. Dele ted. Drivers and Attendants of Private Cars, Commercial Motors Vehicles & Motor Cycles 15. Where not otherwise provided for in the Tariff, Drivers and Attendants of Private Cars, Commercial Motor Vehicles and Motor Vehicles are to be rated at the general rate for the trade (see also regu l ation No.11) Insured’s liability for Contractors’ Employees 16. It is permi ssible to include the risk of the Insured in respect of the employees of Contractors at a premium calculated at the Tariff rate for the work contracted for and charged. i) In cases in which the contract is for labour only, upon the total
amount of the contract; ii) In cases in which the contract is for labour and material upon a percentage of the full contract price to be determined upon the merits of the case, such percentage in no case to be less than 75 per cent of such contract price; iii) In cases in which the contract is for labo ur material and equipment upon a percentage of the full contract price to be determined upon the merits of the case, such percentage in non case to be less than 50 percent of such contract price. but where the insured is able to furnish a return of the actual wages Endorsement No.17 9 must be used in these cases. N.B .Tariff insurers must submit detail of contracts falling under (iii) above to the Sub Committee for consideration. Joint Policies : 17. Joint Policies may be issued indemnifying more than one person or firm in respect o f the same employees engaged upon a particular job for an additional premium of 25% which may be modified or waived in the following circumstances: - (a) Where an Insurance is required in the names of a Parent Company and its subsidiary and/or Associated Companies, a Joint Policy may be issued without additional prem ium. (b) Where one of the parties is a Public Authority or Governement Department, a Joint Policy may be issued without additional
premium. (c) As otherwise authorised by the Sub - Co mmittee. Indemnity to Principals 18. Insurances may be extended in terms of Endorsemen t No.140 without additional cha rge. Warehouses 19. Where a warehouse or godown forms part of the premises in which manufacturing processes are carried on by the Insured, the rate for the manufacturing risk must be applied also to his warehouse employees unless otherwise provided for in the Tariff. In connection with warehouse risks subject to Endorsement No.131 or 230 whre it is warranted by the Insured that “no ve ssel are or will be loaded or unloaded by his employees at his warehouse situated at .......” the words and/or on dock quayside or whraf ” in these Endorsment s may be deleted. Endorsement No.333 must be used in thse cases. Endorsements 20 The endorseme nts indicated against the printed rate must be placed on all Policies issued at the rate. Occassional Domestic Labour 21. Common Law Liability for accidents to occasional domestic labour in connection with the house, garden or stable (but not stables or motor cars unless permanent employees in connection therewith are insured) may be covered for an
additional premium of 25 per cent, of the premium charged for the per manent servants. If the risk of occassional labour in connection with motor cars is excluded from the policy the additional premium may be based on the premium charged for the permanent servants excluding those employed in connection with motor cars. When no permanent servants are emp loyed the charge for occasional domestic labour as ab ove described must be a minimum of Rs.10/ - to cover legal liability only. Occasional domestic labour shall not be deemed to include a person employed regularly for more than two days a week or persons employed continously for more than two months. Servants regularly employed more frequently than twice per week although for only a portion of the day, must be charged for as permanent servants. Endorsement No.248 must be used in these cases. Workpeople , engaged in repairing and maintaining property must not be included in domestic Servants Policies. Additions to permanent Domestic Staffs 23. A special rate either above 500000 or below the normal Tariff rate may be fixed by the Sub.Committee in respect of any risk the wages of which are estimated to exceed Rs.50,000 / - per annum, or in respect of any individual contract for which a separate insurance is required in which the wages are estimated to exceed Rs.50,000 . Any special rates so fixed may be revised or cancelled by the Sub - Committee at any ti me for reasons they may dee m sufficient. The conditions governing special rating are defined in the Special Rating Rules contained in this Tariff. N.B. 1. The word “risk” as used above may be defined as one peop rietorship . N.B.2 For the purpose of special rating it is not permissible to co mbine
the wages for two or more works or premises under the same proprietorship unless such works or premises are carrying on the same trades or process ancillary to such trade. 24.2.95 The facility of special rate s sanctioned on the basis of Insureds Co. for existing unit can be extended to a new writ of the same Insured under a fresh policy provided the new unit is not more hazardous then the existing unit enjoy sp.rate . Medical Expenses : 24. Table “A” Policies may be extended on the following s cale to provide for the payment of medical surgical and hospital expenses (including cost of transport to Hospitals), incurred by the Insured: - Limit Rs. 80 per case 12.1/2% additional premium “ 120 15% “ 160 171/2% “ 400 20% “ 800 25% “ 1600 35% “ 2400 45% Endorsment No.345 must be used SPECIAL RATING RULES Procedure
1. Matters concerning special ratings may be dealt with at the regular meetings of the Miscellaneous Committee, or at special meetings convened for the purpose at the discretion of the Chairman. 2. The submitting Insurer or any Insurer directly interested shall be entitlted to attend the Committee meeting at which an application for special rating is considered but shall not be entitled to vote thereof. Eligibility for special rating 3. A risk may be submitted for special rating in terms of Regulation No.23 provided that : - (a) The risk has been upon the books of the submitting I nsurer for a peirod of atleast nine months prior to the application, or (b) Specia l l y vouc hed for by proposer in any case where the risk has not been insured by a Insure r during the period in question. (c) The risk has not been upon the books of submitting Insurer or any other Insurer for a period of at least nine months prior to the application. Particulars to be furnished 4. Applications for special rating must be made on the form dr awn up for the purpose by the Committee accompanied by a fully completed form signed by the proposer , as well as a copy thereof, the latter to be retained by the Committee for record purpose. Where any portion of the experience shown in the application is not that of the submitting Insurer it must be either : - (a) Confirmed by the Insurer or Insurers writing the business during the period under review, or (b) Specially vouched for by the proposer in any case where the risk has not been insured by a Insu rer dur ing the pe riod of quesiton .
Where full details o f the experience, as r equired on the application and proposal forms, are not supplied the Committee shall have discretion to grant a special rate provided that the information furnished complies with this rule is substance though not in form. 5. Deleted Risks rated on estimated wages 6. In the case of a new undertaking or in any other case where the wages for the previous twelve months did not exceed Rs.50,000 and the application is made for a rate on es timated wages for the ensuring tw e lve months, the Committee must be satisfied that there is good reason for anticipating that such Wages will be excess of Rs.50,000 for such period, and if a rate is fixed, the risk shall be subject to review at the first renewal thereafter when particulars of the actual wages must be furnished. Extension to allied risk 7. Where an Insured for whom a specific risk has been specially rated owns or subsequently takes over under his own control a busi ness of the same descr iption and not m ore hazardous than that for which the special rate has already been fixed, but where the wages are less than Rs.50,000 per annum, the Committee may, on the applicatio n of any Insurer holding the insurance of either or both the risks, extend the special rate to such smaller risk or fix such other rate as they may consider appropriate.Due notice of the application must be given by the submitting Insurer to any other Insurer or Insurers holding the insurance of any portions of the risk. All ris ks specially rated under this Rule must be submitted for reconsideration when the rate for the original risk is being reconsidered.
Re - submission 8. All risks specially rated under these Rules must be submitted to the Co mmittee for reconsideration at least 15 clear days prior to every renewal but where the wages of any specially rated risk prove upon adjustment to have been less than Rs.50,000 for the past year, it shall be obligat ory upon the holding Insurer to bring the case again before the Committ ee at least 15 clear days prior to any subsequent renewal, and the Committee shall cancel the special rate un less satis f i ed that the fall in wages is due to temporary and special circumstances. In all cases where permission to continue in such amount of wages at present being paid, together with the Insured‟s reaso ns for anticipating that the fall in wages is likely to be only of a temporary character. Duty to other Insurers 9. An Insurer holding a risk el i gible for special rating shall at the request of any other Insurer who has been asked in writing by the proposer to quote for risk intimate to the Insurer at least fourteen clear days before the renewal date of the Policy or if such request is not received in time to enable the holding Insu rer to give such Intimation 14 clear days before the renewal date, then within seven days from the date of receipt of such request, whether it is intended to invite renewal of the Policy or to apply for a special rate or for the revision of any special rate recorded b y the Committee for such risk. Failing such intimation from the Insurer on request, the Committee, if sa tisfied that the withholding of the intimation is delib erate, shall be empowered to proceed to the consideration of a special rate or revision of an existing special rate and in such case no special rate shall be granted or revised except with the consent of the enquiring Insurer. Time from which rate operates
10. Unless otherwise authorised by the Sub - Comm ittee a rate shall not operate prior to the ren ewal date as indicated in the application for such rate or, in the case of a risk not on the books of any Insurer, the date of the proposal form. Release of rate 11. No special rates shall be acted upon or communicated to anyone until Official notification thereof has been received in writing from the Regional Committee. The name of every risk specially rated, together with the date of sanction or alteration and the actual special rate sanctioned therefor shall be published for the information of Insur ers. This will, however, be done only after all formalities like approval of the special rate by the Tariff Advisory Committee are over. One Policy to be issued 12. In the event of a special rate being granted it is not permissible, unless specially authorised by the Committee, to issue other than one policy on the basis of the wages stated on the schedule of the Special Rating Application form. Advice to Regional Secretary 13. Insurers must advise the Regional Secretary of all risks rated under these r ules which are placed upon their books and of any such risks which cease to be upon their books. Cancellation and retention of rates 14. Where a risk for which special rate has been fixed : - (i) does not come on the books of an Insurer within six months of the date on which the rate is made, or (ii) has ceased to be on the books of any Insurer for six months
the rate for such risk shall be cancelled, subject to the following provisions : - (a) A rate may be cancelled by the Committee prior to the expiration of the period of six months mentioned in (i) or (ii) above at the request of an Insurer and with the assent of all Ins urer to whom the rate has been furnished by the Regional Secretary. (b) A rate above Tariff may, at the discretion of the Committee, be retained upon the books of the Committee for a period of five years. If re - instatement of a cancelled rate is desired the risk must be re - submitted in accordance with these Rules. comp.tariff/archana - d
---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. --------- ------------------------------------------------------------------------------------------------------------- Advertisement Contractors Bill Posters and Distributors 12.15 1 Agricultural Farms 5.85 715 Aerated Water Manufacturers 15.10 2 Aircraft Manufacture of - a) Pilots and employees who may at any time fly 121.60 15 b) Wood - working machinists excl. travelling in Aircraft 30.15 287 8 c) All employees excl. travelling in Aircraft 21.40 5;287 16A Aluminium Goods Manufacture - Foundry hands, incl. Stampers 36.50 3 All other employees 15.10 277 4 Aluminium Powder and Paste Manufacturers 72.95 752 Analytical Chemists 7.80 5 Animal (wild) Catching, keeping, training or working 60.80 6
Antimony Smelters and/or Extractors 30.15 699 Architects 5.85 766 Artificial Stone Makers - Hands engaged on Buildings rate as builder All others 30.15 234 7 Asbestos Cement Manufacturers - If Application work is done 30.15 661 If no Application work is done 12.15 107 662 ---------------------------------------------------------------------------------------------------------------------- WORKME N COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Athletic, Fishing, Gymnastic, Cricket and Golf Goods Manufacturers - Wood working machinists 30.15 8 All others employees 36.50 5 9 Auctioneers - Surveying and inventory making clerks 5.85 10 Others clerks 2.45 210 11 Porters and assistants excl. risk connection with horses 18.50 6;12 12 and livestock Porters and assistants for horses and livestoc k 60.80 13 Aviation Companies of Firms engaged in flying only and where no manufacture is carried on - Pilots and employees who may at any time fly 97.30 15
All other employees 12.15 287 16 Badami Compressed Coal Manufactures 24.30 747 Bakelite and Bakelite Goods Makers (as separate trade) 12.15 679 Bakeries and Biscuit Factories - Employees engaged with Machinery 12.15 659 All Employees not engaged with Machinery 5.85 13 660 Bamboo and Bentwood Furniture Makers - Woodworking machinists 30.15 8 All other employees 12.15 5 17 Barge, Boat, Launch and Yatch only Builders - Woodworking machinists 30.15 14 8 All other employees 18.50 5;14 18 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Barometer Hydrometer, Thermometer, Mathematical, Nautical and Surgical Instruments and Appliance Makers, Watchmakers and Opticians - All Employees 5.85 19 Basket Makers - O sier and willow cutting 18.50 5 20 Woodworking machinists 30.15 8 All other employees 9.25 5;15 21
Battery Service Station - All employees excl. batteries makers and erectors 15.10 757 Bedding and Mattress Manufacturers - Excl. wire risk 9.25 16 22 Wire mattresses : Woodworking machinists 30.15 5 8 All other employees incl. wire risk 18.50 5 23 Bedstead Manufacturers (Metal) 15.10 24 Belting Manufacturers 12.15 25 Bedding and Mattress Ma nufacturers - Billiard Makers and Billiard Saloons 9.25 26 Billiard Tables Makers - Woodworking machinists 30.15 8 All other employees 12.15 5 27 Billposters and Distributor 30.15 28 Bitumen Lined Paper Manufacturers - All other employees 30.15 753 Bitumen refineries 54.50 29 Blacking and Boot, Metal and furniture polish Mfgrs 15.10 30 Blacksmiths and Farriers 18.50 31 ---------------------------------------------------------------------- ------------------------------------------------ WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. -------------------------------------------------------------------------------------- -------------------------------- Blast Furnaces (iron production) 67.10 32 Bobbin and Shuttle Makers, Wooden - Woodworking machinists 30.15 8 Bobbin and Shuttle Makers, Wooden All other employees 18.50 711
Boiler Makers and Repairers - Incl. Erection 36.50 33 Boiler scalers 72.95 34 Bone mills - Incl. Anthrax 27.25 35 Excl. Anthrax 21.40 68 36 Bookbinder (with or without machinery) 9.25 37 Boot & Shoe Manufacturers and Factories (Wh olesale) 18.50 38 Boot & Shoe Dealers, Makers and Repairers (Retail) 5.85 706 Brass Founders, Workers and Finishers - Foundry hands 24.30 39 All other employees 12.15 277 40 Brewers incl. coopers & all processes incidental to the trade and maintenance staff 9.25 41 Brick and Tile Makers - Where no machinery is used; excl. clay or blaes getting below 6 metres 15.10 22;206 42 Where any machinery is used; excl. clay or blaes getting below 6 metres 24.30 22 43 All employees engaged in clay or blaes - getting below 6 metres excl. pit or mine 36.50 677 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Brush Manufacturers - Wood - working machinists 30.15 8 All other employees (excl. Anthrax) 5.85 68 44 Brush Manufacturers -
All other employees (incl. Anthrax) 9.25 45 Builders - All employees engaged in shop or yard or in construction/ demolition of buildings and other civil construct ion like dams, bridges etc. incl. excavation Excl. blasting and tunneling 30.00 46 Incl. blasting and tunneling 72.95 239 Steeple, Tower and chimney shaft builders or repairers 97.30 48 Builders, Material and Stone, Slate and Pottery Dealers - Employees engaged in loading and unloading vessels 97.30 27 49 All other employees 24.30 6 50 Button, Buckle, Hook and Eye Manufacturers - Metal 6.25 28 703 Other than Metal 14.85 704 Cabinet Makers - Woodwo rking machinists 30.15 8 All other employees 9.25 5 51 Candle Manufacturers and Tallow Candlers 24.30 733 Canneries - Tin making 30.15 8 All other employees 18.50 53 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No.
---------------------------------------------------------------------------------------------------------------------- Canvas and webbing equipments manufacturers - Where carried on as a separate trade 24.30 700 Where carried on in a Cotton jute mill 7.80 701 Canvassers 3.90 54 Card, Cardboar d, Strawboard and Millboard Makers - 30.15 718 Cardboard Box and Paper Box Manufacturers - Machinists 15.10 55 All other employees 12.15 13 56 Caretakers Durwans, Chowkidars and Gatekeepers (except in classifications for which an all - round rate is to be applied under regulation II) 5.85 57 Carman and Cartage and Contractors - Incl. Motor Transport companies (not passenger carrying) 42.80 58 Carbon Papers, Typewriter Ribbons, Inks and Stamp Pad Mfgrs. - Woodworking m achinist 30.15 8 All other employees 18.50 754 Carpenters and joiners - who only undertake contracts for woodwork - Woodworking machinist 30.15 8 All other employees 9.25 5 59 Carpet and Rug Mfgtrs. Sorters - Incl. Anthrax 24.30 60 Excl. Anthrax 12.15 68 61 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES
TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- All other employees, hand work only 12.15 339 62 All other employees, engaged in machiner y 24.30 339 63 Carriage Gharry and/or Livery Stable Proprietors - Not undertaking carriage contracts 30.15 64 Note: Where cartage contract work is undertaken the rate for carmen and Cartage Contractors must be applied to the whole of the wages Carvers in Stone, Masons and Monumental Masons where carried on as a separate trade - On Buildings Rate as Builders All Others 24.30 313 65 Employees on board vessels off - shore Plat forms and/or Rigs engaged solely upo n catering duties 72.95 763 Celluloid and Celluloid goods makers - 48.65 726 Cement Hollow Block Mfgrs. - Where no machinery is used 12.15 739 Where any machinery is used 21.40 740 Cement Works - Excl. Quarry or Mining Risk (Quarry and Mining Risks to be rated Separately) 42.80 217 66 Chair Makers - Woodworking machinists 30.15 8 All other employees 12.15 295 67
--------------------------------------------------------------------------------------- ------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ------------------------------------------------------------------------------------------------------- --------------- Chemical Works - Incl. acid, Alizarine, alkali, alum, ammonia, aniline, arsenic bichromate of potash, borax, sheep dip and soda works 18.50 68 Chemists and Druggists (Manufacturing) and Patent Medicine Mfgrs. 7.80 39 69 Christmas Cracker Makers - 18.50 70 Cinchona Estates - Employees on Factory Register 5.85 71 Domestic Servants whose names appear on the Factory or garden register who are paid wholly by estate 2.90 All other employees 2.90 72 Cin ematograph Theaters and Exhibitors - All employees incl. clerical and managers but excl. film production 3.90 73 Cinematograph Film Producers - 74 To be submitted for special rating Circus, Fair Pleasure Ground Proprietors - All employees 60.80 75 Clerical Staff - Engaged in trade on mercantile employment
(Duties strictly limited to indoor clerical work) 2.45 76 Clothing & Underclothing Mfgrs. - (Wholesale) 5.85 77 ---------------------------------------- ------------------------------------------------------------------------------ WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. -------------------------------------------------------- -------------------------------------------------------------- Club Servants - All employees incl. Waiters 4.35 78 Coach, Carriage, Bus Body and Wagon Builders and Wheelwrights - Excl. Railway Coach and Railway Wagon Building and Repairing Woodworking machinists 30.15 8 All other employees 15.10 5;212 79 Coal Merchants & Dealers - Employees engaged in loading and discharging vessels 97.30 80 Carters and all other employees 45.70 43 81 Cocoa Fibre Works, Mat and Matting Makers 5.85 82 Coffee Curing works Where carried on as a separate trade - Employees engaged inside the factory 5.85 665 Woodworking machinists 30.15 8 Employees engaged outside the factory 2.90 666 Coffee Estate - Domestic Servants whose names appear on the Factory 2.90 or garden register who are paid wholly by estate All other employees 4.35 83 Coffee Roasters and Essence Mfgrs. - 5.85 84 Coir Presses -
Press employees 15.10 85 Godown coolies (no t engaged in delivering for shipment) 5.85 86 Coke Mfgrs. - Incl. erecting of ovens 18.50 88 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Cold Storage Warehouses 18.50 89 Collieries - Whole Risk (Fiery) Pits 72.95 3 90 Inclines & Levels (Minimum premium Rs. 800) 60.80 3;337 91 Collieries - Fatal Only (Fiery) Pits 54.50 3;337A 94 Inclines & Levels (Minimum of Rs. 480) 45.70 3;337 95 Minimum premium Rs. 480 337A Commercial Travellers - Employees using Motor Cycles/Scooters 18.25 258 98A All other employees 3.90 357 98 Condiment Mfgrs. - Confectioners - Employees engaged with machinery 12.15 100 Employees not engaged with machinery 5.85 13 101
Container Manufacture where no mechanically drives machines and/or chemical is used 18.50 Coopers & Vat Makers - Woodworking machinists 30.15 8 All other employees 1 2.15 5 102 Copper T Manufacture 5.85 Cordial (Fruit) and Canned Fruit Mfgrs. - Employees engaged in agricultural work on Fruit Farm 5.85 715 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classi fic - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- All other Employees engaged in the manufacture of Fruit Cordial and Canned Fruit If aerated waters are manufactured 15.10 2 If no aerated waters are manufactured 12.15 342 716 Coal and Geological Drilling - On land 15.10 742 O n River Beds 36.50 743 Corn and Flour Millers - See Flour Mills 169 Cotton Mills - All process incl. Mill Godowns 7.80 104 N.B. Weaving & Printing of cloth by hand power Cotton Ginning and pressing Factories and Presses - Calcutta and Delhi Region 27.75 105
Other Regions 12.15 106 Cotton Godowns and Warehouses - 30.15 131 107 Cotton Bales, loading and unloading into Railway Wagons, incl. delivery (where delivery undertaken by an Independent Contractor, the rate for "Carmen and Cartage Contractors" to apply) 30.15 230 108 Cotton Wadding Mfgrs. - 24.30 681 Cotton Waste Merchants - All employees 18.50 709 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS R ate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Crane Drivers - 36.50 768 Crews of Country Craft plying between coastal Ports 121.60 758 Cycle and Motor Cycles Makers, and Repairers, and Cycle Components and accessories makers with or witho ut machinery 15.10 258;259 109 Dairies - Wholesale 15.10 11;13 457a Shop Risks 7.80 457b Delivery by hand, handcraft, Cycle or tricycle 9.25 12 596a Otherwise, but excl. loading and unloading of craft or vessels 18.50 43 596b
Dentists - With or without Mechanics 9.25 110 N.B. All risks entailing the use of radium, radio - active substances or X - ray apparatus must be submitted to the Committee for Special Rating Die Cutters and/or Sinkers Incl. Engraving 21.40 111 Disinfectant Mfgrs. - Excl. Dyewood Grinders 12.15 39 113 Distilleries 12.15 114 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Divers - 170.25 177 115 Docks - Dock service under takings (Excl. Stevedores) 36.50 43 116 Dock Pier and Wharf construction maintenance and/or repairs Maintenance and/or repairs 36.50 351 117 Construction (excl. blasting ) 48.65 177&219 118 Employees engaged in blasting 97.30 177 119
Domestic Servants - In private residences or in personal service of employer Residence in boarding house club or hotel (not in employee Of proprietors per capita Bearers, Khitmatgars, Hamals, Cooks, Sweepers and Mehters 4.90 120 Mali 7.30 121 Syce (Horse) 14.60 122 Motor Car Driver, Cleaners and attendants 24.30 258 123 Doctors' Dispensers, Assistants and Locum Tenens 5.85 124 Dry Ice Mfgrs. - 36.50 696 Dyers, Dressers and Mercerisers - 18.50 125 Dyewood Grinders - 18.50 126 Dye Grinding and Mixing Works - (Not Dyewood grinding but only dye substances powdered and subsequently mixed) 12.15 127 Educational Training Institutions, Schools and College Staff (Excl. Veterinary Colleges) ---------------------------------------------------------------------------------------------------------------------- WORK MEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Clerical Staff 2.45 76 Masters, Mistresses and male and female assistants 2.90 128 All other employees 4.35 129 Electricity - Light and/or Power Supply
All employees inside and out 21.40 238 132 Electrical Engineers (not manufacturers) Installation and repair of plant, fittings and Appartus incl. wireless, telephone and telegraph: - Work on ships and underground in mines and quarries 36.50 130 Work in generating stations, cinemas, factories, theaters, music halls, public halls and similar buildings and roofs of railway sta tion over 9 metres height or where any unit is handled exceeding 12.7 Kilogram in weight 21.40 238 130A Work other buildings and roofs of railway station over 9 metres height or where any unit is handled exceeding 12.7 Kilogram in weight 18.50 239 131 Electrical Engineers (manufacturers) Makers of fittings and appartus incl. wireless, telephone and telegraph T.V. and Radio cum Recorder Manufacturers' and Computer Companies manufacturing: - Shop and yard risk only - a) Where any uni t is handled exceeding 12.7 Kilograms in weight when completed for use 18.50 238 671 b) Where no unit is handled exceeding 12.7 Kilograms in weight when completed for use 12.15 238:241 672 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Work away from Shop and yard - Rate as Electrical Engineers (not manufacturers) Batteries Accumulator and storage batteries makers and erectors 18.50 663 Dry Battery and portable e lectric and torch makers,
button cell Mfgrs. 9.25 133 Electric Cables, Makers and suppliers of incl. Cablelaying, installation and Erection work - Shop or yard risk only incl. Carrying 15.10 8 134 All work away from shop or yard 60.80 177 135 Electric Lights and Telephone Wire Coverers - Electric Sign Makers - Erection 72.95 675 All other work 18.50 301 676 Electric Refrigerators and Air Conditioners Assembling, Installation Maintenance and Repairs - (a) Domest ic purposes : - (i) Service men using motor cycles 18.50 137 (ii) All other employees 9.25 336 138 (b) Commercial purposes 22.10 774 Electro - Silver and Nickel Plate Manufacturers and Metal Polishers and Platers - 9.25 730 Telephone Operators - 5.85 558 Wireless Engineers - See Electrical Engineers (not manufacturers) Wireless Schools - Tuition and demonstration 30.15 642 ------------------------------------------------------------------ ---------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------- ------------------------------------
Elephants - catching, training keeping or working To be submitted special rating Embroidery Mills - All other employees 7.80 694 Emery Cloth, Glass and sand Paper and cleaning Powder Mfgrs. - 15.10 698 Enamellers and Japanners - Where carried on as separate trade - Metal only 18.50 323 140 All other materials 30.15 141 Engineers - Bridge building - (i) Brick, stone, timber and concrete upto 6 metres in height from ro ad or water level at low tide 36.50 352 142 (ii) Brick, stone, timber and concrete over 6 metres in height from road or water level at low tide 60.80 352A 143 (iii) Column and Girder (a) Shop or yard risk 42.80 8;177 144 (b) Erection away from shop or yard 60.80 177 145 Colliery and Mining Machinery - Shop or Yard risk only, incl. Carting 21.40 8 146 Fixing, repairing, excl. sinking add chimney shaft erecting 24.30 147 147 Cranes - Shop or yard risk only 3 6.50 8 148 All work away from Shop or yard 60.80 32 149 Gasometers and Tanks - (see Regulation No 12) ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES
TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Shop or yard risk only, incl. Carting 36.50 8 150 All work away from Shop or yard 72.95 32 151 Hydraulic Machinery excl. Lift and Crane making and erecting ( see Regulation page 12) Shop or yard risk only 36.50 246;8 152 Erecting away from Shop or yard 24.30 246 153 L ifts ( see Regulation page 12) Shop or yard risk only 21.40 8;155 154 Work away from Shop or yard excl. shaft sinking 24.30 155 155 Shaft sinking 170.25 156 (Note : The aforementioned rates are applicable to Lightest risk only. It is advisable that each Risk be rated according to the nature of the work) Engineers not otherwise classified - Incl. work away from shop or yard upto 9 mtrs height 27.25 237 157 Incl. work away fr om shop or yard exceeding 9 mts high 60.80 157A Excavation, Earth Removal and Filling and Reclamation (not for Sewers and Roads) Excl. use of explosives blasting, Tunnelling and quarrying 30.00 291 759 Incl. blasting and tunelling 72.95 760 Explosives Manufacturers - Nitroglycerine based Explosives 75.00 158 Non - Nitroglycerine based Explosives 60.00 158 Slurry Explosives 60.00 Feathers Manufacturers, Dressers, Purifiers and Merchants 7.80 159
------------------- --------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ----------------------------------- ----------------------------------------------------------------------------------- Ferry & Launch Owners (excl. Towing) - Mechanically propelled and 50 tons net tonnage or over 30.15 160 Ferry & Launch Owners (excl. towing) Mechanically propelled and under 50 tons net tonnage 48.65 161 Otherwise than Mechanically Propelled 72.95 162 Fire Brigades - (on total sums paid) 72.95 164 Fire Extinguishing Appliances Makers - 24.30 767 Fire Loss Assessors - 24.30 165 Fire W ork Mfgrs. - Where hand power only is used 97.30 166 Where any mechanically driven machinery is used 121.60 761 Fish Dehydrating - 24.30 717 Flag, Banner and Bunting Makers - Excl. erection, decoration tents and mosques 12.15 55 167 Incl. Erection 24.30 168 Floorcloth Linoleum Mfgrs. 30.15 725 Flour and Dal Mills 15.10 169 Forge Masters 30.15 170 Forwarding and Shipping Agent's Receiving Offices, Depots and Godowns -
Delivery See Classification 596a and 596b All other employees 15.10 11 172 Frozen Food Mfgrs. - 18.50 89 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Furniture Dealers and Removers and Depository Proprietors - Retail Shop and Excl. Delivery and Cartage 12.15 11 172 Removers and Depository hands 36.50 175 Furniture Mfgrs. other than machine hand moulded/plastic to be included - Sheet Metal 30.15 750 Other than Shee t Metal: - Woodworking machinists 30.15 8 All other employees 9.25 5 176 Furriers - Retail Shop risk 7.80 12 177 Wholesale dealers: - Excl. handling of raw skins 10.70 12;60 179 Incl. handling of raw skins 15.10 12 180 Galvanising - Where carried on as separate trade 30.15 182 Gas mantle (incandescent) makers 9.25 732 Gas Mfgrs - Coal - All Employees incl. Fitters, meter readers, collectors, inspectors but all excl. gasometer erect ion painting and repairing demolishers 2.15 61 183 Oxygen - and other gases 18.50 61 184 Gasometer painting and repairing 72.95 185
Gas proofing of material when carried on as a separate Trade 12.15 708 Gelatins, Glue, Size and Isinglass Mfgrs - 24.30 724 Ghee Mfgrs - 9.25 670 (Tine and steel plate and sheet metal workers To be rated separately under that head) -------------------------------------------------------------------------------------------------- -------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ------------------------------------------------------------------------------------------------------------------ ---- Glass Mfgrs - Stained - Excl. erection and lead poisoning 10.70 215 186 Incl. erection and lead poisoning 21.40 187 Domestic articles such as glasses and decanters 10.70 188 Bottle 9.25 189 Sheet and Plate 12.15 190 Bevellers and Silverers 15.10 191 Embossers, Gliders, Decorators and Glass Sign writers incl. Erection 15.10 192 Glaziers - Residences, offices and shops 21.40 62 193 Other risks 24.30 194 Gliding Association - Non flying employees 24.30 287 755 Godwons ( See Warehouses) Gold and Silver Thread Lametta & Lace Mfgrs. 15.10 195 Golf Clubs - (see Regulation No 8) All employees incl. stewards servants and Caddies 5.85 196
Caddies only, per member on total membership 0.30 197 (Note: This rate is to be charged on the maximum per Capita Membership during the period of Insurance ) Individual players, against caddies risk on any links per players 3.70 198 per Capita Visitors liability in respect of caddies, per visitor 0.10 199 per Capita (Minimum premium Rs. 10/ - ) ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRA DE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Grain - Elevator Employees 60.80 200 Corn, Flour, Hay, Straw, Fodder, Seed and Grain merchants and Forage Contractors - Where no mechanically driven m achinery is used, excl. loading and discharging vessels and carting and delivery other than by hand or cart 18.50 206 201 12;43 Where machinery is used, excl. loading and discharging vessels and carting and delivery other than by hand or cart 21.40 12;43 202 All Employees engaged in loading and discharging vessels 97.30 203 Grain Godown and Warehouse Employees 24.30 695 Gramophone Record Makers 18.50 205 Grease Mfgrs. 12.15 29 206 Grindstone & Millsto ne Makers Not in
Connection with quarries - 18.50 37 207 (Quarry risks to be rated as quarries) Groundnut Decorticating - All employees 12.15 208 Gun Makers - Excl. ordnance work - Workmen engaged in testing and catridge loading 48.65 209 All other employees 15.10 64 210 Hackle Makers 18.50 211 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Harness and Saddle Makers - Wood working machinists 30.15 8 All other employees 12.15 5 212 Hat and Topee Works - All descriptions incl. Ladies' Frames and Shapes 7.80 213 Heald and Reed Makers - Wood working machinists 30.15 8 All other employees 7.80 5 214 Heat treatment shops (excl. Forging) 18.50 214A Hide and Skin Merchants and Dealers - Incl. Anthrax 36.50 215 Excl. Anthrax 15.10 68 215A
Hiking Clubs - Sherpas employed for carrying loads in the mountains: Wages upto 200/ - P.M 60.80 per 775 Wages upto 300/ - P.M. 72.95 Cap - 776 Wages exceeding 300/ - P.M. 97.30 ita 777 Notes: - 1) The above rates are for a period not exceeding 2 months. Where the period exceeds 2 months but does not exceeds 8 months 25% extra should Be charged. For period exceeding 8 months 50% extra should be charged. 2) The above rates are applicable where no Rope and Tackle are used but loaded by 25% when Sherpas use Rope and Tackle in order to take care of greater hazards involved. ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endor se - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Hollow Ware Mfgrs. (Metal) - Domestic - Utensils incl. stamping and enamelling 24.30 216 Horse Hair Mfgrs - Incl. Anthrax 24.30 217 Excl. Anthrax 12.15 68 218 Horse Breeders Trainers and Jokeys 60.80 2 19 Hosiery Factories 5.85 220 Hospitals -
Asylums, Nursing, Mission or training Homes - Reformatories, Public, Benevolent and Charitable, I institutions, inebriate and similar homes - Clerical and salaried office staff 2.45 76 Wood - working machinists 30.15 8 Nurses keepers and attendants on Lunatics 9.25 307 All other employees 5.85 306 Construction, alteration, demolition or repair of buildings must be rated according to the Tariff for Builders, and the corresponding endorsements must be applied. N.B. All risks entailing the use of radium radio - active substances or X - ray apparatus must be submitted to the Committee for special rating Hotels - (Residential Commercial and Temperance) Hydropathic Establishments, boarding and lodging houses, residential Chambers, coffee tea and refreshment rooms and restaurants Excluding public houses, beer shops and taverns ( see Regulation Nos. 7 and 8) - ---------------------------------------- ------------------------------------------------------------------------------ WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. -------------------------------------------------------- -------------------------------------------------------------- Indoor 4.35 19 221 Outdoor and maintenance staff, incl. lift attendants 18.50 24 222 Hurricane Lantern Mfgrs - 24.30 748 Ice Dealers and Mfgrs - 24.30 223 Excluding Dry Ice Manufacturers (see Dry Ice Mfgrs) Import and Export Merchants - Sircars Superintending only loading and unloading
of freight - All employees 30.15 224 Ice Cream Mfgrs/ - 12.15 100 India Rubber - (see Regulation No 12) G utta percha, vulcanite and India rubber goods, belting ebonite, ebonestos and water proof material Mfgrs. 24.30 225 Water proof garment makers 5.85 226 Stamp makers 10.70 227 Tyre Mfgrs. 24.30 228 Waste workers and re - claimers 42.80 229 Indigo Mfgrs. - 24.30 230 Inland Water Transport Companies 30.15 231 Ink Mfgrs. - 5.85 232 Insurance Companies - 2.90 236 Insecticides/Pesticide 30.15 765A Insecticides/Pesticide spraying - 24.30 765 Intra - uterine contraceptives devices Mfgrs. 5.85 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Ivory, Bone and Tortoiseshell goods Makers, and Pearl cutters - Where the materials handled are solely ivory and/or tortoiseshell and/or pearl 18.50 312 240 Where the materials handled are not solely ivory and/or tortoiseshell and/or pearl 36.50 241
Jacquard Harness makers - 18.50 692 Jam and provision pres ervers and packers - 18.50 242 Jelly and Powder (table) Mfgrs . 18.50 243 Jewelers, Goldsmith and Silversmith - Retail only 5.85 12;343 727 Wholesale and Mfgr. 9.25 343 728 Tower, Turret, and Railway Clock fixing, repairing and winding 48.65 729 Jute Bales Loading and unloading into Railway wagons 18.50 668 Jute Godowns and Warehouses - Handling Jute, loose and in pucca or kucha bales 9.25 669 Jute Mills - All processes incl. mill godowns 9.25 244 Jute Presses - All employees in pucca baling presses 18.50 245 All employees in Kutcha baling presses 18.50 246 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Lamp Makers
All descriptions incl. incandescent lamps 12.15 247 Land Drainage Service - Excl. blasting and tunnelling 30.15 291 248 Incl. blasting and tunnelling 97.30 177 249 Lapidaries and precious stone cutters - Excl. Lead poisoning 7.80 297 250 Incl. Lead poisoning 18.50 251 Laundries - Incl. receiving office employees - Where machinery is used 15.10 252 Where no machinery is used 5.85 206 253 Lead pencil Makers (see Regulation No. 13) 12.15 254 Lead smelters and/or extractors 60.80 255 Leather Dresser and Dyers 15.10 256 Leather Goods Mfgrs. - Excl. Belting 15.10 257 LGP Bottling Plant 30.15 Passengers Lift attendants in Offices, Residential Premises, Shop s, Hospitals, Nursling Homes and Educational Institutions 9.25 2.58 Lift Repairing Machinists - (Upkeep of Insured 's own property only) 21.40 259 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No.
---------------------------------------------------------------------------------------------------------------------- Lighthouse Keepers - 145.90 261 Lime Works and Kilns - Excl. Quarry or Mining Risks 30.15 217 262 Linen Finishers 12.15 263 Liquified Petroleum Gas Dealers - All employees incl. those engaged in the delivery of Ga s Cylinders by hand, handcart and mechanically propelled vehicles 12.15 770 Lock Makers 9.25 264 Live Stock Farm 15.10 457A Machinery and Metal - Buyers, salesmen and show room assistants 12.15 230 265 Warehouse 24.30 78 266 Second - hand Machinery and scrap Metal Dealers excl. dismantling breaking up and demolition 54.50 78 267 Dismantling breaking up and demolition 170.25 268 Maltsters 12.15 269 Manure and Fertiliser Mfgrs. - 18.50 270 Marble and granite Works, Dressing and polishing, not in connection with Quarries 60.80 37 271 Margarine Mfgrs. - 9.25 272 Match Mfgrs - 24.30 273
---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Meat Market - Salesman only 5.85 81 274 Assistants, incl. cutting up 21.40 82 275 Porters 27.25 276 Messengers (Office) and Bill Collectors Using Cycles 12.15 690 Not Using Cy cles 4.35 334 664 Metal Workers - Bell Founders 12.15 278 Metal Spinners 15.10 279 Metal Makers 12.15 280 Pewterers 15.10 281 Stereotypes 15.10 282 Tin Refiners 12.15 283 Typefounders 12.15 284 Maker of - Aeroplane small parts (Metal) 12.15 285 Cotton Gin Machinery parts 18.50 286 Electric Light Fittings 12.15 287 Hinges 24.30 289 Gas Fittings 12.15 290 German Silver, Solder, and Spelter Goods 12.15 291 Motor Vehicle small parts (metal) 15.10 749a Valves 12.15 292 Water fitting (excl. Meters) 12.15 281 293 Flexible Metallic Tubing 12.15 294 Metal Workers -
Workers in Zinc, not smelting or rolling - Where no work away from the shop or yard is done 15.10 285 295 Where any work away from the shop or yard is done 18.50 296 --------------------------------------------------------------------------------------------------------------------- - WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Mechanical App liances Like Tractors, Harvesters and Ploughers etc. 36.50 302 Mica Cutters 9.25 297 Milk Mfgrs., Condensed and Sterilised 27.25 702 Mines - The following rates must be applied to all employees of every description, incl. employees engaged in loading, unloading, carting and all other operations incidental to the work at, in or about the mine - Asbestos (open cast) 42.80 3 756 Barytes 36.50 3 365 Chromite 54.50 3 771 Copper 48.65 3 366 Gold 97.30 3 367 Graphite 42.80 3 368 Iron Ore 97.30 3 749 Lead 48.65 3 369 Manganese 54.50 3 370 Mica 42.80 3 371 Ochre 42.80 3 372 Salt 42.80 3 373 Silver 48.65 3 374 Tin 48.65 3 375 Wolfram 48.65 3 376 Motor Cycle and Cycle Patrols (Automobile
Association or Clubs) All Employees 42.80 258 697 Motor Race Drivers per car per race 121.60 299 ---------------------------------------- ------------------------------------------------------------------------------ WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. -------------------------------------------------------- -------------------------------------------------------------- Motor Garages, Showrooms and Assemblers of Motor Vehicles - Woodworking machinists 30.15 8 All other employees incl. salesman drivers all mechanics 15.10 5;258 301 Motor Tractors Owners - (Land cultivation only) 36.50 302 Myrobalan Extract Manufacturing 15.10 303 Nail Makers - Where no mechanically is used 18.50 206 304 Where machinery is used 24.30 305 Nurse - Not attending on lunatics 5.85 79 306 Attending on lunatics 9.25 307 Nut and Bolt Makers (Iron and Steel) Where no mechanically driven machinery is used 18.50 206 308 Where machinery is used 24.30 309
Oakum Mfgrs. 12.15 310 Oil Companies, importing in bulk for retail Distribution - All employees 12.15 311 Oil Mills (not mineral oils) and Oilcake Mfgrs - 36.50 90 312 Oil skin and Tarpaulin Mfgrs - 12.15 235 313 -------------------------------------------- -------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ------------------------------------------------------------ ---------------------------------------------------------- Oil Well Proprietors and Mineral Oil Refiners - Employees engaged in drilling and pumping erection, repair and demolition of riggs telegraph or telephone lines or overhead electric cable 97.30 314 All other employees 30.15 315 Omnibus and Motor Bus Proprietors 24.30 316 Open Cast Coal - Getting (incl. use of explosives) 68.10 355 762 Ore Importers and Exporters where carried on as a separate trade incl. Godown and Loading and Unloading Vessels 97.30 317 Oyster Cultivators 36.50 318 Oil expeller and oil expeller spare parts mfgrs. 27.25 157 Paint Colour and Enamal Mfgrs. - Where no red or white lead manufactured 12.15 92 321 Where red or white lead manufactured 18.50 322
Painters and Decorators where carried on as separate trade, not Builders - (See Regulation No 12) All risks incl. ship painters, scrapers and scalers 145.90 323 Excl. churches, chapals, cinemas, theaters, music h alls, public halls, gtasometers towers, bridges, viaducts or blast furnaces, the painting, scraping or scaling of ships of any work in connection with the roofs of railway stations or railway platform awnings 60.80 66 325 Palm Trees - Tapping or Picking 48.65 684 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Paper Mfgrs. - Hand made only 12.15 93 326 Machine made 30.15 327 Waxed Paper 18.50 713 Pap er Patern Makers 12.15 328 Paper Waxing (where carried on as a separate Trade) 18.50 222A 714 Paper Mache Decorators - Inside work only 15.10 94 329 Parcel Delivery Agents, Carriers & Carters 36.50 330 Parquet Floor Cutting -
Wood work machinists 30.15 8 All other employees 12.15 5 331 Parquet Floor Laying - 24.30 332 Patent Fuel and Firelighter Mfgrs. 97.30 719 Patent Card Makers 12.15 334 Perfume Mfgrs. 12.15 335 Pest Co ntrol and Fumigation 24.30 765 Petro Pump Stations - (Not connected with garages) Delivery (see Classification 596a and 596b) All other Works 12.15 12 683 Petrochemical Industry 30.15 315A Photo Block and Process Block Mfgrs. 9.25 336 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Photographers and Photographic Appliances Dealers - Shop and studio 7.80 12;97 337 Operators and assistants engaged partly o r wholly outside 12.15 338 Picture & Picture Frame Makers, Dealers and Gilders Retail Shop risk 12.15 5;12 340 Wood work machinists 30.15 8 All other employees 12.15 341 Picture Frame Moulding Makers - Wood working machinists 30.15 8 All other employees 15.15 5 342
Pile Drivers - Where carried on as a separate trade 54.70 177 343 Pit Prop cutting where carried on as a separate Trade 48.65 344 Planing and Moulding Mills - 48.65 345 P lasterers and Plaster and Fibrous Plaster Modellers and Moulders where carried on separate Trade - All Risks 97.30 346 Excl. churches, chapals, cinemas, exhibitions, music halls, public halls and theaters 30.15 327 347 Plastic Goods Mfgrs. 16.50 737 Plumber, Hotwater and Sanitary Engineers where carried on as separate Trade - Retail Shop risk 9.25 12.129 348 ----------------------------------------------------------------------------------------------------------- ----------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Mech anics: - Excl. well sinking and any work in any connection with wells exceeding 6 meters 15.10 72 349 Work connection with wells exceeding 6 meters in depth but excl. Sinking 48.65 178 350 Ship furnishing 18.50 351 Well sinking (other than artesian and tube wells q.v.) 121.60 177 633 Polo Clubs -
Stable hands and employees engaged in ridding 60.80 352 All other employees 15.10 102 353 Porters (Station) for carrying passengers' luggage per Capita 4.90 354 Potato Dehydrating - Where no mechanically driven machinery is used 9.25 13 705 Where mechanically driven machinery is used 18.50 710 Potteries and Pottery Decorators a) Excl. Manufacture of Flooring, Roofing and Terakotta Tiles; Excl. Clay getting and Mining also excl. Lead Poisoning 12.15 103 355 b) Incl. Lead poisoning - above rate plus 36.50 356 c) Tile Mfgrs., i.e. rough unglazed tiled for flooring and roofing and terakotta tiles - rate as bricks and tile Makers 48.65 d) Clay - getting excl. work below 6 meters (fireclay mining - rate as collieries) 24.30 22 359 e) Clay - getting below 6 meters excl. pit or mine 42.80 359A Poultry and Hatchery - Where no electrical appliances are involved 3.05 778 Where electrical appliances are used 6.10 779 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Printers and Lithographers (Excl. paper mfgrs.) Excl. printing of daily news papers excel. lead p oisoning 5.85 222;297 360 Printing of daily news papers excl. lead poisoning 9.25 89;297 361 Incl. lead poisoning - above rates plus 36.50 362 Quarries -
The following rates must be applied to all employees of every description incl. employees engaged in loading, unloading, carting and all other operation incidental to the work at, in or about quarry. Where no blasting is done 30.15 219 363 Where any blasting is done 97.30 364 Racecourse Employees - Grooms, Jockeys and Stable hands 60.80 377 All other employees 12.15 106 378 Radium - All risks entailing the use of radium and radio active Substances must be submitted to the committee For special rating Rag and Waste Dealers, Rag Pickers and Marine Store Dealers - Breaking up, dismantling and demolition 170.25 379 All employees in loading and discharging vessels 97.30 380 All other employees 36.50 115 381 Railway Coach and Wagon Works 42.80 382 Railway Construction and alteration - Ex cl. blasting and tunnelling 36.50 353 384 Incl. blasting and tunnelling 72.95 177 383 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Tunnelling, incl. Blasting (when carried as a separate
Contract) 97.30 177 385 Railway up - keep and Running - Excl. Construction: Light Railways for passengers only 12.15 386 Light Railways for goods and passengers 15.10 387 Electric Railways 24.30 388 Other Railways 24.30 389 Labour employed in loading and unloading wagons 30.15 390 Railway Station Refreshment Rooms' Private Contractor Controlling - Employees who travel regularly by train i.e. ice and dining car attendants 54.50 391 Waiters who serve meals in refreshment rooms and to passengers in trains, i.e. chota hazri and tea who will occasionally travel short distance by train. 18.50 392 Butlers, cooks and waiters who are always employed in the refreshment room and never travel by trai n 4.35 393 Rayon Mills - 7.80 764 Refuse Heaps - Getting material from 42.80 394 Remound depots 72.95 395 Resin mfgrs. 36.50 396 Rice Millers - All other employees 15.10 398 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSI NESS Rate Rs. Endorse - Classific -
Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Rifle Clubs - All other employees incl. makers, instructors and care takers 30.15 399 Rivet Makers - Making copper rivet for tin work 12.15 117 400 All other employees 24.30 401 Road Paving, Tarring and Road Making 30.15 124 402 Roofing and Flooring Makers and/or Layers (not slaters or tilers) Hands in shop or yard - Wood working machinists 30.15 8 All other employees 18.50 5;234 403 Rope (Excl. Wire Rope) Cord and Twine - Where no mechanically driven machinery is used 12.15 118;206 404 Where any mechanically driven machinery is used 24.30 118 405 Cotton yarn only - Where no mechanically driven machinery is used excl. repairing and spinning 7.80 119;206 406 Where any mechanically driven machinery is used excl. repairing and spinning 18.50 119 407 Rubber Factories - See India Rubber Rubber Plantations - Domestic servants whose names appears on the factory or garden register and who are paid wholly by the estate 2.90 All other employees 2.90 408
---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Sack Makers ( Sewing only when ca rried on as a separate trade) - 10.70 409 Safety Razor Blades Mfgrs. 12.15 741 Sail Makers only, excl. Riggers 10.70 120 410 Riggers 97.30 411 Salt Merchants and Dealers - Hands in Warehouse receiving and delivering from or to vessels. and/or no Dock, Quayside or wharf and lightermen (excl. Stevedores) 72.95 43 412 All other Employees 18.15 131 414 Salt Works - Excl. Mining 24.30 415 Salvage Corps - Employees solely engaged upon premises of the crops in handling and treating salvaged goods 30.15 416 All other employees 30.15 417 Sand - Removal sea by dredgers All employees 97.30 693 Sauce Mfgrs. 18.50 418 Sausage & Sausage skin Mfgrs. 21.40 419 Saw Mill and Timber Merchants All Employees 30.15 420
Screw Mfgrs. 12.15 423 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Sewer and Road Contractors - Open trench work only where no blasting and tunnelling is done and where the depth in no part exceeds 3 meters 30.15 350 425 Open trench work only where no blasting and tunnelling is done and where the depth in no part exceeds 3 meters 36.50 291 426 All risks where and /or blasting and tunnelling is done 72.95 177 427 Sewing Machine Makers. Fitters and Repairers 15.10 751 Sheet Lead Rollers and Lead Pipe Makers - Excl. Lead poisoning 48.65 297 428 Incl. Lead poisoning 60.80 429 Shellac Mfgrs. - 21.40 430 Ship Breakers - 97.30 431 Ship Builders, Iron, Steel and Concrete - Where barges hoppers, dredgers, tugs, yatches, passengers and cargo vessels pilot boats not exceeding 1000 tons gross measurement are built 30.15 186 432 Where such vessels are repaired only 42.80 224 433 Where torpedo boats destroyers, steam trawlers and shallow draught river gunboats not exceeding 500 tons displacement and similar vessels as in class (a ) over 1000 tons but no t exceeding 2000 tons gross measurement are built 36.50 187 434
Where such vessels are repaired only 54.50 232 435 Where war ship, passenger, cargo and other vessels not incl. in (a) or (b) are built 42.80 225 436 Where such vessels are repaired only 54.50 437 Pontoon Builders and repairers 72.95 438 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMP ENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Ship Chandlers and Ship Stores - Fixing and rigging 97.30 43 9 All other employees 18.50 218 440 Ship Painters Exclusively engaged in Painting Vessels - Without the use of stagings or slings 60.80 266;297 441 Shipsmiths (jobbing) where carried on as a separate trade 48.65 442 Shipwrights (jobbing) where carried on as a separate trade 109.45 443 Shop Fitters - Wood working machinists 30.15 8 All other employees 24.30 5 444 Shop Risk - (see Regulation No 6) Class A - Art, bric - a - brac and curio and art needle works 4.90 2;12 445 Bakers 4.90 446 Barometer, Hydrometer, Thermometer and Mathematical Instruments 4.90 12 448 Biscuits 4.90 11 449 Book 4.90 12 450 Shop Risk - Boot and shoe, excl. makers and repairs 4.90 12 451
Chemists 4.90 12 452 China and glass 4.90 12 453 Confectioners 4.90 11 455 Cutlery 4.90 12;13 456 Diaries 4.90 11;13 457 Drapers 4.90 12 458 Dress Maskers 4.90 12 459 Fancy goods 4.90 12 460 Shop Risk - Floorist and seedsmen 4.90 12 461 Furriers 4.90 12 463 Haberdashers 4.90 12 464 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Hatters 4.90 12 465 Hoosiers 4.90 12 466 Leather Goods 4.90 12 468 Milliners 4.90 12 469 Wholesale 4.90 470 Musical instruments (Salesmen only) 4.90 84;85 471 Naturalists not taxidermists 4.90 12;87 472 Nautical instruments and appliances 4 .90 12 473 Newsagents 4.90 11 474 Opticians 4.90 12 475 Photographic Records 4.90 12 476 Photographic appliances 4.90 12 477 Photographers 4.90 12;97 478 Stationers 4.90 11 480 Surgical instrument and appliances 4.90 12 481 Tailors, Clothiers and outfitters 4.90 12 482 Toys 4.90 12 483 Tobacconists 4.90 12 484 Wall papers 4.90 12 485 Watch Makers 4.90 12;343 486 Shop Risk - Class B -
Fruiterers 7. 80 12 487 Greengrocers 7.80 12 488 Groceries and provisions - no licence and no machinery All other employees 7.80 12;63 489 206 Ironmongers excl. Mechanics 7.80 12;129 490 Italian warehouse men 7.80 12 491 Oil and colour 7.80 12 492 Sticks and umbrellas, incl. Finishing mounting and Repairing 780 12 493 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Shop Risk - Class C - Chandlers (not ship chandlers) 9.25 12;208 494 Cheesemongers 9.25 12 495 Cooked Meat or cooked fish 9.25 12 496 Corn Chandlers, Dealers and Merchants retail only - Using no machinery driven by mechanical power and excl. Delivery 9.25 12;206 58 497 Corn Chandlers, Dealers and Merchants retail only - Using machinery but excl. delivery 12.15 12;302 498 Furniture Electrical items excl. delivery by hand, handcraft and otherwise 9.25 11 499 Grocery and provisions - Off licence w here no bottling buy machinery is done - All other employees 9.25 12;108 501 226
Hair Dressers 9.25 12 502 Pawnbrokers 9.25 12 503 Perambulators 9.25 12 504 Picture and Picture Frame Dealers excl. Machinery 9.25 5;12 505 Sewing and Washing machines 9.25 12 506 Wine, spirit and beer dealers 9.25 Off licence where no bottling by machinery is done - All other employees 9.25 12;108 507 226 Class D - Groceries Provisions - Off licence where bottling by machinery is done - All other employees 12.15 12;226 508 Gunsmiths 12.15 12 509 Wine Spirit and Beer dealers - Off licence only where bottling by machinery is done - All other Employees 12.15 12;226 510 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Class E - Butchers 18.50 511 Fishmongers 18.50 512 Furniture removers (see Classification No 175) Groceries and Provisions - (Full licence) All employees engaged partially or wholly in serving drink 18.50 514 All other employees where no bottling by machinery is done excl. delivery by hand or otherwise 9.25 11;108 515 All other employees where bottling by machinery is done excl. delivery by hand or otherwise 10.70 11 516 Poulterers 18.50 517 Publicans 18.50 518
Wine Spirit & Beer dealers - Ful - Licence - All employees 18.50 519 Short Mfgrs. 24.30 520 Sign Writers - Not glass - Excl. Erection 15.10 301 521 Incl. Erection 36.50 522 Silk Artificial - Yarn Production 12.15 685 Weaving and process subsequent to yarn production 7.80 686 Doubling 5.85 340 687 All Processes 18.50 340 688 Winding (as separate trade) 4.35 689 Silk Spinners and/or weavers 7.80 341 523 Sinking: - Pit or Mine opening up or driving levels or slants 170.25 525 Slag Crushers a nd Removers 60.80 526 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Slaters and Tilers (Roofs) where carried on as a separate trade - Work on roof; not exceeding 9 meters in height 36.50 252 527 Exceeding 9 meters in height 60.80 527A Slaughtermen 48.65 528 Small Arm Factories - Excl. testing and cartridge loading 15.10 529
Testing and cartridge loading 48.65 64 530 Small Wear Mfgrs. ( Braid, Laces othe r Leather, Tassels & Cords) 9.25 531 Snuff Manufacturing Factories - All other employees 18.50 746 Soap Makers, melters and boilers 24.30 532 Soap Makers, (toilet) where remelting and perfuming only are done 9.25 298 533 Solvent Extraction Plants - Automatic 48.65 772 Non - automatic or batch type 60.80 773 Spice Mfgrs. - Incl. nut grinding and shelling 18.50 534 Spring and Axle makers 15.10 535 Stampers and piercers Where carried on a s a separate trade 30.15 536 Starch and Blue Mfgrs. 30.15 707 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Stationers - Retail shop risk 5.85 11 537 Manufacturing and/or wholesale 12.15 539 Steel or Iron Founders -
Where the heaviest casting does not exceed 1 ton 30.15 168 540 Where the heaviest casting exceeds 1 ton 42.80 541 Steel or Iron Rolling Mills - 48.65 542 Steel work (Steel Making ) 48.65 543 Stevedors loading or unloading Cargo or Coal 97.30 545 Stone and dressing and stone breaking Yards - All employees Whose duties take them at any time to quarry where b lasting is done 97.30 All other employees 60.80 309 546 Sugar cane Plantation 5.85 691 Sugar, Saccharine and Glucose Refiners and/or Mfgrs. incl. sugarcane crushing Factories engaged in preparing Jagree 18.50 547 Sugar Sweet mfgrs. 15.10 548 Tally Clerks 14.60 549 Tanners, Carriers and Fellomongers 12.15 550 Tar Spraying Roads 30.15 552 Taxidermists - Excl. Anthrax 24.30 68 553 Taxidermists - Incl. Anthrax 36.50 553A ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Tea Gardens - 2.45 554 Domestic servants on Tea - Estate - Servants
(excl. private motor car drivers, attendants and/or cleaners) whose names appear on the factory or garden register an d whih are paid wholly by the estate 2.45 as on page 28 Tea Packing Factories - Wood working machinists 30.15 8 All other employees 9.25 5 555 Telephone Operators 5.85 558 Tent and Marque Makers 15.10 55 559 Erecting only 48.65 560 Thatchers of Buildings 36.50 561 Theater Artists Bandsmen and Permanent Staff 12.15 562 Tilers (not roofing) and Mosaic and Tressellated Pavers Floor and, excl. clay getting 15.10 132 563 Tim ber Raftmen 91.45 565 Tin Dredgers 24.30 738 Tin & Steel and Steel Metal Workers (incl. metal boxes and drums) Where no mechanically driven machinery is used (incl. Smelting) 18.50 206 566 Where any mechanically driven machinery is used 27.25 567 The Ore Getting from open Workings and Machine Crushing 60.80 568 Tin Ore Getting from open Workings where no Machinery is used 30.15 569 ----------------------------------------------------------------------- ----------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific -
Per Mille ment No. Ation No. --------------------------------------------------------------------------------------- ------------------------------- Transmiths - Excl. Ship work 30.15 205 571 Ship work 24.30 572 Tobacco, Cigar and Cigarette and Bidi Mfgrs. and Dealers Retailed shop risk 7.80 12 573 Tobacco, Cigar and Cigarette and Bidi Mfgrs. and Dealers Godwon 5.85 12 574 Manufacturing - Where no mechanically driven machinery is used 7.80 206 575 Where any mechanically driven machinery is used 7.80 576 Tools and Machine Tools Mfgrs. - Machine tools other than wood - working machinery 24.30 720 Wood - working machinery 27.25 721 Tools for use in machine tools 15.10 722 Tools and Machine Tools Mfgrs. - All other tools incl. garden tools 12.15 723 Toy Makers - Mfg. of all classes of toys incl. celluloid toys 54.50 734 Mfg. of all classes of toys excl. celluloid toys 27.25 5;344 735 Mfg. of all classes of toys excl. celluloid toys and excl. the use of machinery 15.10 206;344 736 Tramway Construction - Incl. all incidental work on throug h - fares or elesewhere 60.80 227 577 Tramway upkeep and running 36.50 578 Tube Drawers 12.15 579 ----------------------------------------------------------------------------------------------------------------------
WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Tug Owners - Where carried on as a separate trade 54.50 580 Tunnelling incl. Blasting (when carried on as a separate trade) 97.30 385 T.V. Picture Tube Mfgrs 15.10 Typwriting Machine Makers, Dealers and Repairers and Typewriting Suppliers - Retail shop risk 7.80 12 537 All other employees 12.15 581 Tyre Retreading and Resolving 18.50 744 Tyre Vulcanisers when carried as a separate trade 15.10 582 Umbrella Mfgrs. - Where hand power is used 9.25 583 Where any mechanically driven machinery is used 12.15 745 Undertaker - Shop 15.10 5;310 584 Wood working machinists 30.15 8 Outside and stable 30.15 5 585 Upholsterers 9.25 586 Varnish Japan & Laquer Mfgrs. - 15.10 587 Vene r Mfgrs other than wood working machinists where carried on as separate trade - Wood - working machinists 30.15 8
All other employees 12.15 5 588 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Veterinary Colleges - Lecturers engaged indoors 5.85 589 All other employees 24.30 590 Veterinary Surgeons and Attendants and Grooms in employ of Veterinary Surgeons - 60.80 591 Warehouse (Godwons) Hands in warehous e receiving or delivering from or to vessels and/or on dock, quayside or wharf, and lightmen and Bargemen (excl. Stevedors) 72.95 43 412 Warehouse (Godwons) Group I Art, Bric - a - Brac, Curio 9.25 131 592 Biscuit 9.25 131 592a Bonded Warhouses - Incl. hand bottling 9.25 131 592b China Glass and earthware 9.25 131 592c Colour, Dyes and Chemicals 9.25 131 592d Drug 9.25 131 592e Drysalters 9.25 131 592f Flax 9.25 131 592g India Rubber 9.25 131 592h Linen 9.25 131 592i Oil and Italian Goods 9.25 131 592j Publishers and Booksellers 9.25 131 592k Sack and Bag 9.25 131 592l Shellac 9.25 131 592m
Smallware (Braid, laces not leather, tussles and cords) 9.25 131 592n Soft goods (textile) not Packers & Makers up as separate trade and not Forwarding and Shipping Agents - Where no packing is done by mechanical power 9.25 131 592o Sugar 9.25 131 592p Tea and Coffee 9.25 131 592 q Wholesale Grocery and provision incl. salesmen 9.25 131 592r ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Group II Bath Brick and Salt Merchants 12.15 131 593 Bone incl. Anthrax 12.15 131 593a Bottle 12.15 131 593b Carpet, rug and linoleum 12.15 131 593c Furniture 12.15 131 593d Hardware and Ironmongery 12.15 131 593e Leather and Leather Goods 12.15 131 593f Molasses - Incl. filling by han d 12.15 131 593g Packers and Makers up as trade 12.15 131 593h Paper 12.15 131 593i Public (general storing) Warhouses 12.15 131 593j Soft goods (textile) not Packers and Makers up as a trade and not Forwarding and Shipping Agents - Where any packing is done by mechanical power 12.15 131 593k Wool incl. Anthrax 12.15 131 593l Group III Branded Warehouses (on machine bottling wages only) 30.15 230 594 Group IV Machinery, Iron and Steel girders and heavy ironwar e incl. delivery by any vehicle mechanical or otherwise 36.50 230 595 Waterworks and Pumping Stations -
Excl. construction, alteration maintenance or repair work, the sinking or digging of wells and the use of Explosives 18.50 354 629 Construction, alteration maintenance or repair work excl. Use of explosives 42.80 38;177 630 Construction, alteration maintenance or repair work incl. use of explosives 97.30 177 631 Tunnelling incl. blasting (when carried out as a separate contract) 97.30 177 385 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment N o. Ation No. ---------------------------------------------------------------------------------------------------------------------- Weaving and Printing of Cloth by Hand Power 6.10 769 Welders, where carried on as a separate trade 36.50 731 Welders at a height not exceeding 60 feet 60.80 149 Well Sinking - Artesian or Tube 30.15 177 632 Other Wells 121.60 177 633 Whiting and Pipeclay Mfgrs. - Excl. Mining Quarry 18.50 37 634 Window Cleaners 97.30 635 Wire Drawers and Wire Ropes Mfgrs - Gold and Silver Wire Drawers 9.25 138 636 Brass and Copper Wire Drawers 12.15 139 637 Steel and Iron Wire Drawers and wire Ropes Mfgrs. 36.60 638 Wire Goods Makers 21.40 639
Wireless Schools - Tuition and Demonstration 30.15 642 Wood Ware Mfgrs. and Turners - Wood - working machinists 30.15 8 All other employees 24.30 5 645 Woodmen and Foresters engaged in Treefelling Sawing and Carting and/or Forest Fire Fi ghting 42.80 646 ---------------------------------------------------------------------------------------------------------------------- WORKMEN COMPENSATION TARIFF - RATES TRADE OR BUSINESS Rate Rs. Endorse - Classific - Per Mille ment No. Ation No. ---------------------------------------------------------------------------------------------------------------------- Woolen and Worsted - Wool - combing - Incl. Anthrax 36.50 647 Excl. Anthrax 15.10 68 648 Spinning Weaving, Bleaching, Dyeing and all Processes other than Wool - combing incidental to the trade carried on in or about the premises 15.10 649 Flock, Mungo and Shoddy 24.30 650 Wool Sorter and/or Wool Waste merchants - Incl. Anthrax 24. 30 651 Excl. Anthrax 12.15 68 652 Wool Scourers and Carbonizers - Where no wool - combing is done - Incl. Anthrax 24.30 331 653 Excl. Anthrax 15.10 68;331 654 Where any wool - combing is done -
Incl. Anthrax 36.50 68 647 Excl. Anthrax 24.30 5 648 Writing Slate Mfgrs. 33.55 678 Yarn and Trade Bleachers and/or Dyers - With or without machinery where yarn and trade only are handled (and where no bleaching or dyeing of any other materials is done) 7.80 293 655 Yeast Mfgrs. - 12.15 656 Zinc Smelters and/or Extractors 36.50 657 Zinc Cooper and Brass Rolling where no smelting is done 36.50 133 658 WORKMEN’S COMPENSATION TARIFF 1. 2. It is hereby underst o od and ag reed that any work in connection with making and/or repairing of picture frames is expressly e x cluded from the indemnity granted under this Policy. 3. It is hereby understood and agreed that any work in connection with the sinking of shafts and the opening up or driving of levels or slants other than by the Insured‟s or sub - contractor‟s employees ordinarily engaged in coal raising is expressly excluded from the i ndemnity granted under this Policy. Note: As this endorsement also applies to risks othe r than coal mines it will be necessary to substitute for the words “coal raising” words suitable to each particular ri sk. 4. It is hereby underst ood and agreed that any work in connection with the mak ing or repairing or any unit exceedi ng 50.80 kg. in weight is expressly excluded from the indemnity granted under this Policy.
5. It is hereby understood and agreed that any work in connection with woodworking machinery driven by steam gas, water, electricity or other mechan ical power is expressly excluded from the indemnity granted under th is Policy. 6. It is hereby understood and agreed that any work in connection with horses and/or live stock is expressly excluded from the indemnity granted under this Policy. 7. It is hereby understood and agreed that any work in connection with the carting removal or delivery of goods other than by hand is expressly excluded from the indemnity granted under this Policy. 8. It is hereby understood and agreed that any work in connection with erecting or repair away from the shop or yard of the Insured is expressly excluded from the indemnity granted under this Policy. 9. This policy does not indemnity the Insured in respect of any claim arising in connection with Lift Attendants. 10. This Policy does no t indemnify the Insured in respect of any claim arising in connection with Commercial Travellers. 11. This Policy does not indemni fy the Insured in respect of any claim arising in connection with the delivery or cartage of goods whether by handc art or otherwise. 12. It is hereby understood and agreed that any work in connection with the delivery or cartage of goods other than by hand, handcart, cycle or bicycle is expressly excluded from the indemnity granted under this Policy 13. It is hereby understood and agreed that any work in connection with the use of machinery driven by steam gas, water electr icity or other mechanical power is expressly excluded from the indemnity granted under this Policy
14. It is hereby understood and agreed that any work in connection with the building of craft of other material than wood and all sea risks are expressly excluded from the indemnity granted under this Policy 15. It is hereby under st ood and agreed that any work in connection with os ier and willow cutting from g rowth is expressly excluded from the indemnity granted under this Policy. 16. It is hereby understood and agreed that any work in connection with the manufacture of wire mattresses is expressly excluded from the indemnity granted under this Policy 17. 18. It is a condition of this Policy that the indemnity granted is in respect of indoor domestic servants only. 19. It is a condition of this Policy that the indemnity granted is in respect of indoor servants only, excluding Lift Attendants. 20. 21. It is hereby understood and agreed that any work in connection with clay - getting from any quarry or pit, or clay mining operations or the construction repair or demolition of kiln chimneys is expressly excluded from the indemnity granted under this Policy 22. It is hereby understood and agreed that any work in connection with clay - getting or bales - getting below 6 Metres in depth from surface level or the construction repair or demolition of kiln chim neys is expressly excluded from the indemnity granted under this Policy 23. 24.
25. It is hereby under stood and agreed that any work in connection with the dem olition or pulling down of buildings over 9 Metres in height the erection, repair or dem olition of towers steeples, blast furnaces, ch imney shafts, viaducts or bridges or quarrying or any work connected with the construction ,a lteration or repair of wells over 6 Metres in depth from surface docks, railways canals tunnels or b la sti ng ope rations is expressly excluded from the indemnity granted under this Poli cy 26. It is hereby understood and agreed that any work in connection with sl ating tiling dismantling breaking up or demolition of building works, plant or machinery of any description or any work in connec tion with the loading and discharging of vessels is expressly excluded from the indemnity granted under this Policy 27. It is hereby understood and agreed that any work in connection with sla ting tiling dismantling breaking up or demolition of buildings works, plant or machi n ery of any description is e xpressly excluded from the indemnity granted under this Policy. 28. This Policy does not indemnify the Insured in respect of any claim arising in connection with the manufacture of a rticles of material other than metal. 29. This Policy is issued on the express understanding and condi tion that soap is not manufactured on the premises described in the within Policy. 30............... 31............... 32................. 33................ 34................... 35...................... 36............ ............
37. It is hereby understood and agreed that any work in connection with quarrying or mining is expressly excluded from the indemnity granted under this Policy. 38. It is hereby understood and agreed that all risks arising out of or in connection with the handling or use of explosives are expressly excluded from the indemnity granted under this Policy. 39. It is hereby understood and agreed that all risks in connection with dey wood grinding are expressly excluded from the indemnity granted un der this Policy. 40. It is hereby understood and agr eed that any work in connection with airship hangers bridges, blast furnaces, col liery overhead winding gear, gasometers steeples, towers and viad u cts, or any work in connection with roofs of railway stations and aeroplane sheds exceeding 9 Metres in height from the ground level, is expressly excluded from the indemnity granted under this Policy. 41..................... 42.................... 43. It is hereby understood and agreed that any work in conn ection with the l oading and discharging of vessels is expressly excluded from the indemnity granted under this Policy. 44. It is hereby understood and agreed that all risks in connection with work away from land is expressly excluded from the indemnity granted under this Policy. 45. .................. 46......................... 47........................
48. It is hereby understood and agr e ed that any work in connection with spinning and all processes preparatory thereto is expressly excluded from the indemnity granted under this Policy. 49. .................... 50........................... 51............................ 52. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to any description of employment other than specified in the following schedule. 53................................ 54................................ 55. It is hereby understood and agreed that any work in connection with the erection of flags, decorations, tents or marquees is expressly excluded from the indemnity granted under this Policy. 56................................ 57................................ 58................................ 59................................ 60. It is hereby understood and agreed that any work in connection with the h andling and treatment of raw skins or hides is expressly excluded from the indemnity granted under this Policy. 61. It is hereby understood and agreed that any work in connection with the e rection, painting, or dem olition o f gasometers is expressly excluded from the indemnity granted under this Policy.
62. It is hereby understood and agreed that any gla zing work in connection with: - a) Roofs of railway stations; b) Any building of more than one floor in which the maximum height at which the work has to be done is more than 9 Metres from the ground level. c) Any building of one floor only in which the maximum height at which the work has to be done is more than 9 Metres from the ground level. is exp ressly excluded from the indemnity granted under this Policy. 63. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no sale of wines, spirits or beer is carried on. 64. It is hereby understood and agreed that any work in connection with the testing or loading of fire - arms or cartridges is expressly excluded from the indemnity granted under this Policy. 65. It is hereby understood and agreed that any work in connection with the painting and decora ting of airship hangars, bridges, blast furnaces, colliery, overhead winding gea r gasometer s steeples, towers and viaducts the painting scraping of ships, or any work in connection with the roofs of railway stations and aeroplane sheds exceeding 9 Metres in height from the ground level is expressly excluded from the indemnity granted under this Policy. 66. It is hereby understood and agreed that any work in connection with the painting or decorating of churches, chapels cinemas, th eaters, music halls, publ ic halls, airship bri dg es furnaces, colliery, overhead winding gea r gasometer s steeples, towers and viaducts the painting scraping of ships, or any work in connection with the roofs of railway stations and aeroplane sheds exceeding 9 Metres in height from the ground level is expressly excluded from the indemnity granted under this Policy. 67............................
68. It is hereby understood and agreed that this Policy is issued on the express underst anding and co ndition that all risks in connection with death or disablement by anthrax are expressly excluded from the indemnity granted under this Policy. 69. It is hereby understood and agreed that any work in connection with tree - feeling is expressly excluded from the indemnity granted under this Policy. 70.......................... 71. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no manufacturing process is carried on. 72. It is hereby understood and agreed that any work in connection with wells exceeding a depth of 6 Meters from the surface or in connection with the sinking or digging of wel ls is expressly excluded from the indemnity granted under this Policy. 73. It is hereby understood and agreed that any work in connection with building construction, alteration dem olition or repair is expressly excluded from the indemnity granted under this Policy. 74. It is hereby und erstood and agreed that any work in connection with the sinking or digging of wells to a greater depth than 6 Mete rs from the surface is expressly excluded from the indemnity granted under this Policy. 75......................... 76........................ 77. It is hereby understood and agreed that any work in connection with the manufacture or belting is expressly excluded from the indemnity granted under this Policy. 78. It is hereby understood and agreed that any work in connect i on with the dismantling breaking up or demolition of buildings, works plant machinery of any description is expressly excluded from the indemnity granted under this Policy.
79. It is hereby understood and agreed that all risks in connection with attendance on lunatics are excluded from the indemnity granted under this Policy. 80....................... 81. It is hereby und erstood and agreed that all risks in connection with employees engaged in cutting up meat, and meat carriers and porters are expressly excluded from the indemnity granted under this Policy. 82. It is hereby understood and agreed that all risks in connection with me at carriers and porters are expressly excluded from the indemnity granted under this Policy. 83..................... 84. It is hereby understood and agr eed that any work in connect i on with piano tuning is expressly excluded from the indemnity granted under this Policy. 85. It is hereby understood and agreed that all risks in connectio n with the employment of porters, packers and carters engaged in connec t i on with the removal or delivery of musical instru ments are expressly excluded from the indemnity gra nted under this Policy. 86. It is hereby understood and agreed that any work in connection with the m anufactur e of repairs of pianos organs and harmoniums is expressly excluded from the indemnity granted under this Policy. 87. It is hereby understood and agreed that any work in connection with the occupation of a taxider mist is expressly excluded from the indemnity granted under this Policy. 88. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no paper is manufactured and that no printing is carried on other than the printing of newspapers or periodicals published otherwise than daily.
89. It is hereby understood and agreed that any work in connection with the manufacture of paper is expressly excluded from the indemnity granted under this Policy. 90. It is hereby understood and agreed that any work in connection with the production or refinement of mineral oils is expressly excluded from the indemnity granted under this Policy. 91.......... ............ 92. It is hereby understood and agreed that this Policy is issued on the express underst anding and condition that no manufacture of red or white leads is carried on. 93. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no manufacture of machine made paper, tracing cloth tracing paper, or waxed papers is carried on. 94. It is hereby understood and agreed that any work in connection with papier mache deco ration other than work inside buildings is expressly excluded from the indemnity granted under this Policy. 95. It is hereby understood and agreed that any work in connection with the manufacture of firelighters or in connection with the loading or discharging of vessels is expressly excluded from the indemnity granted under this Policy. 96..................... 97. It is hereby understood and agreed that any work away from shop or stu dio is expressly excluded from the indemnity granted under this Policy. 98. It is hereby understood and agreed that the indemnity granted by the within Policy does not extend to indemni fy the Insured in respect of accidents arising out of any work of construction, alteration, deco ration or repair. 99.....................
100. It is hereby understood and agreed that any work in connection with the fixing or plaster or fibrous plaster or in connection with work in buildings in course of construction alteration or repairs is expressly excluded from the indemnity granted under this Policy. 101............ ................ 102. It is hereby understood and agreed that stable hands and employees engaged in riding are expressly excluded from the indemnity granted under this Policy. 103. It is hereby understood and agreed that the indemnity granted by the within Policy does not ext end, to lead pois oning and that any work in connection with the manufacture of flooring, roofing and terra cotta tiles or in connection with clay getting in any quarry or pit or in connection with cl a y mining or in connection with the construction, repair or demol ition of kiln chim neys or in connection with the fixing of tiles is expressly excluded from the indemnity granted under this Policy. 104.......................... 105.......................... 106. It is hereby understood and agreed that grooms, jokeys and stable hands are expressly excluded from the indemnity granted under this Policy. 107. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no work is undertaken in connection with the application of asbe stos millboard or steam packing to boilers pipes or otherwise. 108. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no bottling by mechanically driven machinery is carried on. 109. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no printing work is carried on.
110. It is hereby understood and agreed that any work in connection with the filli ng of projec tiles or the manufacture handling or use of explosives is expressly excluded from the indemnity granted under this Policy. 111. to 114....................deleted. 115. It is hereby understood and agreed that any work in connection with the disma ntling breaking up or demolition of buildings, works, plant, machinery or metal of any description or in connection with the loading and discharging of vessels is expressly excluded from the indemnity granted under this Policy. 116..................... 117. It is hereby understood and agreed that the indemnity granted by the within Policy relates only to the risk of manufacturing small rivers used in connection with tin and copper work. 118. It is hereby understood and agreed that any work in connection with the manufacture of wire ropes is expressly excluded from the indemnity granted under this Policy. 119. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the Insured only makes rope, cord and twine from cotton yarn and does not engage in any work connected with the preparing and spinning of cotton. 120. It is hereby understood and agreed that the indemnity granted by the within Policy does not extend to indemn ify the Insured in respect of accidents arising to employees engaged in the occupation of riggers. 121. It is hereby understood and agreed tha t the indemnity granted by the within Policy does not extend to indemni fy the Insured in respect of accidents arising out of yacht - racing. 122 ......................... 123.........................
124. It is hereby understood and agreed that any work in connection with the use of explosives or in connection with the construction of sewers exceeding in any part a depth of 3 Metres from the surface or in connection with tunnelling is expressly excluded from the indemnity granted under this Policy. 125. to 128 ..............deleted. 129. It is hereby understood and agreed that mechanics are expressly excluded from the indemnity granted under thi s Policy. 130. It is hereby understood and agreed that any work in connection with the cutting of sticks from gr owth is expressly excluded from the indemnity granted under this Policy. 131. It is hereby understood and agreed that the indemnity granted under the within Polic y does not extend to indemn ify the Insured in respect of accidents to : - a) Hands in warehouse receiving or delivering from or to vessels and/or on dock, q uayside or wharf. b) Stevedores or lightermen c) Employees engaged in delivery by any form of vehicle mechanical or otherwis e, except by hand or by hand cart. 132. It is hereby understood and agreed that any work in connection with roof and cei ling work or in connection with clay - getting from any quary or pit or clay - mining is expressly excluded from the indemnity granted under this Policy. 133. It is hereby understood and agreed that any work in connection with smelting ore is expressly excluded from the indemnity granted under this Policy. 134................
135. It is hereby understood and agreed that any risk in connection with the use of machinery driven by steam, gas, water, elect ric i ty or other mechanical power (except lifts) is expressly excluded from the indemnity granted under this Policy. 136..................... 137..................... 138. It is hereby understood and agreed that any work in connection with wire - dra wing of any other metal than gold or silver is expressly excluded from the indemnity granted under this Policy. 139. It is hereby underst ood and agreed that any work in connection with wire - drawing of any other metal than gold or silver brass or copper is expressly excluded from the indemnity granted under this Policy. 140. It is hereby understood and agreed that in the event of any workman employed by the within named insured or any dependant of such workman bringing or making a claim under Section 12 of the Workmen‟s Compensation Act, 1923, and subsequent amendments of the said Act against...for personal injury or disease sustained whilst at work on any contract covered by the terms and conditions of the within policy which the Insured may be carrying out for the said .........the Company will indemni fy the said .........against such claim and/or any costs, charges and expenses in respect thereof Provided always that the Company shall not be liable hereunder unless the Company have the sole conduct and co ntrol of all claims covered by this endorsem ent. Nothing in this endorsement shall be construed as affecting the Insured‟s title to reco ver damages under any other Section of the said Act. Subject otherwise to the terms, provisions and conditions of the within Policy. 141. It is hereby understood and agreed that any work in connection with sp i nning and all processes preparatory thereto is expressly excluded from the indemnity granted under this Policy. 142.................
143................. 144. It is hereby understood and agreed that any work in connection with the making, fitting or repairing of any single part of unit exceeding 1524.00 Kilogra m or any erectin g or fixing away from the shop or yard of the Insured is expressly excluded from the indemnity granted under this Policy. 145. It is hereby understood and agreed that any work in connection with the making fitting or repairing of any single part or unit exceeding 508.00 kilogram or any erecting or fixing away from the shop or yard of the Insured is expressly excluded from the indemnity granted under this Policy. 146. It is hereby understood and agreed that any work in conne ction with the filling of catridges is expressly excluded from the indemnity granted under this Policy. 147. It is hereby understood and agreed that any work in connection with pit sinking or the construction, al teration , or repair of chimney sh afts is expressly excluded from the indemnity granted under this Policy. 148. It is hereby understood and agreed that any erecting or fixing away from the shop or yard of the Insured where any single part or unit exceeds 1524.00 Kilogram in weight is expressly exc luded from the indemnity granted under this Policy. 149. It is hereby understood and ag r eed that any work in connection with the making fitting or repairing of gas or oil engines wh ich exceeds 20 break - hor se power is expressly excluded from the indemnity granted under this Policy. 150.to 153 ..........deleted. 154. It is hereby understood and agreed that any work in connection with erecting or repairing lifts which excee d 101.60 kilogram lifting capacity or in connection with shaft or lift well sinking i s expressly excluded from the indemnity granted under this Policy.
155. It is hereby understood and agreed that any work in connection with sh aft or lift - well sinking is expressly excluded from the indemnity granted under this Policy. 156............. 157. It is hereby understood and agreed that any work which requires sta gings or ladders is expressly excluded from the indemnity granted under this Policy. 158. to 165.........deleted. 166. It is hereby understood and agreed that any work in connection w ith castings, exceeding 12.7 kilogram in weight is expressly excluded from the indemnity granted under this Policy. 167. ......... 168. It is hereby understood and agreed that any work in connection with castings exceeding 1 ton in weight is expressly excluded from the indemnity granted under this Policy. 169. to 176......deleted. 177. The wi thin policy does not indemnify the Insured in respect of any death due solely and directly to working in or being released from compressed air or disablement of any kind arising from caisson disease otherwise called compressed air sickness. 178. I t is hereby understood and agreed that any work in connection with the sinking or digging of wells is expressly excluded from the indemnity granted under this Policy. 179. It is hereby understood and agreed that the indemnity herein granted is extended to cover the legal liability of the Insured to workmen in the employment of Contractors performing work for the Insured while engaged in the business and occupations in respe ct of which the within Policy is granted, but only so far as regard claims under the Workmen‟s Compensation Act, 1923, and subsequent
amendments of said Act prior to the date of the issue of this Policy, the premium in respect of such extended insurance to be calculated. at the rate of ( % on ) the total sums paid to such Contractors by the ( % on ..% of )Insured in respect of work executed during each period of insurance. Subject to otherwise to the terms, provisions and conditions of the within Policy. 180.to 185............deleted. 186. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the Insured is indemnified only in respect of accidents arising out of the building of - Barges Dredgers Yatches Passenger Vesse ls Hoppers Tugs Pilot Boats Cargo Vessels no t exceeding 1,000 tons gross measurement. 187. It is hereby under stood and agreed that this Policy is issued on the express understanding and condition that the Insured is indemnified only in respect of accidents arising out of the building of - Barges Dredgers Yatches Passenger Vesse ls Hoppers Tugs Pilot Boats Cargo Vessels not exceeding 2,000 tons gross measurement; or the building of - Torpedo B oats, Destroyers , steam Trawlers, Shallow - draught River Gunboats, not exceeding 500 tons displacement. 188. to 194.........deleted.
195. It is hereby understood and agreed that any work in connection with forgin gs which exceed 12.7 kilogram in weight is expressly from the indemnity granted under this Policy. 196............ 197. It is hereby understood and agreed that any work in connection with forgin gs which exceed 1 to n in weight is expressly from the indemnity granted under this Policy. 198. to 20 0.........deleted. 201. It is hereby understood and agreed that any work in connecting with the cleaning of windows is expressly excluded from the indemnity granted under this Policy. 202. to 204..........deleted. 205. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of accidents ari sing out of work on board ships. 206. It is hereby understood and agreed that no liability attaches to the Company if the Insured has or use s any machinery (other than cranes, hoists or lifts) driven by the steam, gas, water, electricity or other mechanical power. 207. ................ 208. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of accidents ari sing out of the occupation of ship chandler. 209...................... 210. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of accidents ari sing to emplo yees whilst engaged in surveying or in inventory making.
211. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of accidents ari sing to employees whilst engaged on ships, docks, quays or wharves. 212. It is hereby und erstood and agreed that any work in connection with the building or repair of railway coaches or railway wagons is expressly excluded from the indemnity granted under this Policy. 213.............. 214................. 215. It is hereby und erstood and agreed that any work in connection with the erection fixing or repair of stained glass away from the shop or yard of the Insured and a ny liability to employees arising from l ead p oisoning are e x pressly excl uded from the indemnity granted under this Policy. 216. ............. 217. It is hereby und erstood and agreed that any work in connection with quarrying or mining or in connection with loading, unloading, carting and all other o perations incidental to quarry work are expressly excluded from the indemnity granted under this Policy. 218. It is hereby und erstood and agreed that any work in connection with fixing and rigging is expressly excluded from the indemnity granted under this Policy. 219. It is hereby und erstood and agreed that this Poli cy is issued on the express understanding and conditi on that no blasting is done . 220. It is hereby und erstood and agreed that any work in connection with the manufacture of fireclay goods other than spur or stilt manufacture, or any work in connection with clay - getting from any quarry or pit or clay - mining operations or the construction repair or demolition of kil n chimne ys is expressly excluded from the indemnity granted under this Policy.
221................. 222. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no prin ting of daily n ew spapers or manufa cture of paper is carried on. 223. It is hereby understood and agreed that th e indemnity granted under this Policy is in respect of open workings only. 224. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the Insured is indemnified only in respect of accidents arising out of the repairing of - Barges Dredgers Yatches Passenger Vessels Hoppers Tugs Pilot Boats Cargo Vessels not exceeding 1,000 tons gross measurement. 225. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the Insured is indemnified only in respect of accidents arising out of the repairing of - Barges Dredgers Yatches Passenger Vessels Hoppers Tugs Pilot Boats Cargo Vessels not exceeding 2,000 tons gross measurement, or of - Tor pedo Boats, Destroyers, Steam Trawlers, Shallow - draught River Gunb oats exceeding 500 tons displacement or of warships, is expressly e xcluded from the indemnity granted under this Policy. 226. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the insured holds an off - licence only. 227. It is hereby understood and agreed that any work connection with demolition or pulling down of buildings, over 9 Metres in height or any work in connection with the fitting of generating stations is expressly excluded from the ind emni t y granted under this Policy.
228. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no cleaning work is undertaken other than in respect of the interiors of buildings. 229......... 230. It is hereby understood and agreed that the indemnity granted under the within Policy does not extend to i n demnify the Insured in respect of accidents to - a) Hands in warehouse receiving or delivering from or to vessels and/or on dock, q uayside or wharf. b) Stevedores or lightermen 231. It is hereby understood and agreed that any work in connection with bottling by mechanically driven machinery is expressly excluded from the indemni ty granted under this Policy. 232. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the Insured is indemnified only in respect of accidents arising out of the repairing of - Barges Dredgers Yatches Passenger Vessel s Hoppers Tugs Pilot Boats Cargo Vessels not exceeding 2,000 tons gross measurement, or of - Tor pedo Boats, Destroyers, Steam Trawlers, Shallow - draught River Gunb oats exceeding 500 tons displacement. 233........ 234. It is hereby understood and agreed that any work on buildings is expressly excluded from the indemnit y granted under this Policy.
235. It is hereby understood and agreed that any work outside the shop or yard of the Insured, other than del ivery or cartage is expressly excluded from the indemnit y granted under this Policy. 236. It is hereby understood and agreed that any work in connection with erection of generating and storage plant is expressly excluded from the indemnit y granted under this Policy. 237. It is hereby understood and agreed that any work in connection with the er ection fitti ng up or repair of plant or installations in ge nerating stations, cinemas co i l i eries, factories, mines quarries, ships theater s music halls, public hal ls and on the roofs, of railway stations over 9 Metres in height is expressly excluded from the indemnit y granted under this Policy. 238. It is hereby understood and agreed that any claim arising out of work on ships or underground in collieries, mines and quarries is expressly excluded from the indemnit y granted under this Policy. 239. It is hereby understood and agreed that any work in connection with the construction or repair of any article, Part or unit which exceeds 12.7 kilogra m in weight wh en co mpleted for use, and any erecting fitting or repair in generati ng s tations, cinemas, collieries factories, mines, quarries, ships theaters music halls, public halls and on roofs of railway stations over 9 Metres in height is expressly excluded from the indemnit y granted under this Policy. 240. It is hereby understood and agreed that any work in connection with the construction or repair of any article, Part or unit which exceeds 5 tons in weight wh en completed for use, and any erecting fitting or repair i n generati ng s tations, cinemas, collieries factories, mines, quarries, ships theaters music halls, public halls and on roofs of railway stations over 9 Metres in height is expressly excluded from the indemnit y granted under this Policy. 241. It is hereby understood and agreed that any work in connection with the manufacture or handling of any unit exceeding 12.7 kilogram in wei ght when completed fo r use is expressly excluded from the indemnit y granted under this Policy.
242.ro 244.....de leted. 245. It i s hereby understood and agreed that any work in connection with the construction and / or repair of any unit which exceeds 3 ton s in weight wh en completed for use, or i n connection with lift and crane making and erecting or any fitting, o r erecting away from the shop or yard of the Insured is expressly excluded from the indemnit y granted under this Policy. 246. It is hereby understood and agreed that any work in connection with lift and crane making and erecting is expressly excluded from the indemni ty gran ted under this Policy. 247.................. 248. In consideration of any additional premium having been paid the within Policy is extended to indemnify the Insured in respect of his legal liability to occasional domestic employees engaged in connection with his house or garden (or stable*) (or in connection with motor cars). The expression “occasional” “domestic employees” shall not be deemed to include any person regularly employed for more tha n two days a week whether for the whole or part of a day, or any person employed continu ou sly for more than two months. --------------------------------------------------------------------------------------------------- *To be Inserted only when coach man, groom or syce is permanently employed and the necessary premium has been paid. To be inserted only when the additional premium has been based on the total premium paid including the premium paid for a permanent motor driver or drivers. ----------------------------------------------------------------------------- --------------------- 249.................. 250.................. 251. It is hereby understood and agreed that any work in connection with the construction alteration or repair of buildings designed or intended to exceed when
completed 9 Metres in height from the ground level is expressly excluded from the indemnit y granted under this Policy. 252. It is hereby understood and agreed that any work in connection with the construction alteration or repair of roofs on buildings designed or intended to exce ed when completed 9 Metres in height from the ground level is expressly excluded from the indemnit y granted under this Policy. 253. In consideration of premium being paid on the total earnings of the undernoted employees receiving more than Rs. 1000/ - per month, it is hereby understood and agreed that the within Policy subject to the terms and conditions thereof is extended to indemni fy the insured in respect of his liability at Common Law including the Fata l Accidents Act 1855 for accidents to such emplo yees arising out of and in the course of the employment. 254. to 257..........deleted. 258. I t is hereby understood and agre ed that the indemnity granted under this P olicy does not extend to indemni fy the Insured in respect of accidents arising e mployees while engaged in racing pace making or speed trials. 259. It is hereby understood and agreed that all work in connection with the re pair or Motor Cars is expressly excluded from the indemnity granted by this Policy. 260. It is hereby understood and agr eed that all work in connection with making fitting or repairing of any single part or unit exceeding 508.00 kgs. is expressly excluded from the indemnity granted by this Policy. 261. to 265 .........deleted. 266. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no work is undertaken by the Insured requiring the use of stagings or slings. 267.to ...276..........deleted.
277. It is hereby understood and agreed that all liability in connection with hands employed in foun dry work is expressly excluded from the indemnity granted under this Policy. 278.............. 279. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the only work carried on by the Insured is the man ufacture of crucib le and/or blister stee l . 280....... 281. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the only work carried on by the Insured is the makin g or water fittings, excluding metres. 282. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the Insured does not undertake work on board ships. 283....................... 284........................ 285. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no work is done away from the shop or yard of the Insured. 286........................... 287. It is hereby understood and agreed that this Policy does not indemni fy the Insured against claims in respect of accidents to employees while travelling in aircraft. 288. It is hereby understood and agreed that any work outside buildings is expressly excluded from the indemnity granted under this Policy.
289. It is hereby understood and agreed that any work outside buildings other than private dwellings, is expressly excluded from the indemnity granted under this Policy. 290. It is hereby understood and agreed that the indemni ty granted under this Policy does not extend to indemnify the Insured in respect of any accident arising out of any work in connection with - a) The use of explosives; b) The making of sewers and/or other excavations, exceeding in any part a depth of 3 Metres from the surface; c) Quarrying d) Tunnelling 291. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that no work is undertaken in connection with - a) The use of explosives; b) Quarrying c ) Tunn elling 292. ................. 293 It is hereby understood and agreed that this Policy is issued on the express understanding and condi tion that the Insured does no bleaching or dyeing other than of yarn and/or thread. 294. It is hereby understood and agreed that this Policy is issued on the express understanding and condi tion that the Insured does no calico printing. 295. It is hereby understood and agreed that any work in connection with wood - working machinery driven by steam, gas, wate r, electr icity or other mechanical power, or in connection with the feeling, sawing and carting of trees is expressly excluded from the indemnity granted under this Policy.
296................... 297. The within Policy does not indemnify the Insured in respect of claims for lead poisoning. 298. The within Policy indemnifies the Insured only in respect of the making of toilet soaps from manufactured soap, the process carried on being the remelting and perfu mi ng of manufactured soap. 299................ 300. It i s hereby understood and agreed that the within Policy does not indemnify the Insured in respect of any claim arising in connection with blasting operations or Timber fe lling. 301. It is hereby understood and agreed that the within Policy does not indemnify the Insured in respect of any claim arising in connection with sign, erecting. 302. It is hereby understood and agreed that the Company shall not be liable by virtue of thi s Policy if at any time the Insured carries on any other than a retail business. 303. It is hereby understood and agreed that no liability attaches to the Company if at any time the Insured has or uses any pres ses driven by steam, gas, water, electricity or other mechanical power. 304. It is hereby understood and agreed that no liability attaches to the Company under this Policy if any bleaching and/or dyeing is done by the Insured. 305................... 306................... 307. It is hereby understood and agr e ed that this Policy is issued on the express understanding and condi tion that the Insured does not work a quarry.
308. It is hereby understood and agr e ed that this Policy is issued on the express understanding and condition that any stone and/or slate Dressing and/or Stone Breaking Yard occupied by the Insured is not situated within one mile of the quarry worked by the Insured. 309. It is hereby understood and agr e ed that this Policy is issued on the express understanding and condition that the duties of none of the employees at any stone and/or St ate dressing and/or Ston e breaking Yard occupied by the Insured take them at any time to a qua rry where any blasting is done. 310. It is hereby understood and agreed that the within Policy does not indemn i fy the insured in respect of claims made by employees engaged in stables and/or away from the shop or yard of the Insured. 311. It is hereby understood and agreed that the within Policy does not indemn i fy the insured in respect of claims for accidents aris ing out of or in connection with cartage of goods. 312. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the Insured does not handle in the course of his business any other material than ivory and/or tortoisesh ell and/or pearl. 313. It is hereby understood and agreed that the within Policy does not indemnify the Insured in respect of claims for accidents arising out of work upon buildings. 314.to 316.............deleted. 317. It is hereby understood and agreed that no liability attaches to the Company if the in sured uses celluloid in the course of his business. 318.to 320 ........deleted. 321. It is hereby understood and agreed that this Policy is issued on the express understanding and condition that the Insured does not handle in the course of his business any explosives. 322....................
323. It is hereby understood and agreed that any work in connection with the enam elling and Japa nning of articles of any other material than metal is expressly excluded from the indemnity granted under this P o licy. 324. to 326.........deleted. 327. It is hereby understood and agreed that any wok in connection with churches, chapels, cinemas, exhibitions, music halls, public halls and theat ers is expressly excluded from the indemnity granted under this Policy. 328............... 329. It is hereby understood and agreed that this Policy is issued on the express understanding and condit i on that the Insured in the course of business does no quarrying or stone - cutting and uses no machinery either power driven or otherw ise. 330.............. 331. It is hereby understood and agreed that this Policy is issued on the express understanding and condit i on that wool - combing is not and will not be carried on by the Insured in the course of business. 332..................... 333. This Policy is issued subject to a warranty by the Insured that no vessels are or will be loaded or unloaded by his employees at his warehouse situated at.................. 334. It is hereby understood and agreed that any claim arising in connection with the use of cycles is ex p r essly excluded from the indemnity granted under this Policy. 335. It is hereby understood and agreed that this Policy is issued on the express understanding and condit i on that the insured does not engage in any work involving the use at any time of ladders, stagings, and/or scaffolding.
336. It is hereby understood and agreed that all risks in connection with the use of motor cycles are expressly excluded from the indemnity granted under this Policy. 337. It is hereby under stood and agreed that all wor ks in connection with pits, whether by the Insured‟s employees or otherwise is expressly excluded from the indemnity granted under this Policy. 337A. Notwithstanding anything contained herein to the contrary it is hereby understood and agreed that the liability of the Company under the within Policy is restricted to accidents arising out of and in the course of employment which result in death and the Company shall not be liable to reimburse the Insured any compensation payable in respect of non - fatal accidents. 338..................... 339. It is hereby understood and agreed that this Policy does not indemnity the Insured in respect of any claim arising in connection with the employment of wool Sorters. 340. It is hereby understood and agreed that the Company shall not be liable by virtue of this Policy if at any time the Insured engages in yarn production. 341. It is hereby understood and agreed that the Company shall not be liable by virtue of this Policy if at any time th e Insured engages in any process other than winding. 342. It is hereby understood and agreed that any liability in connection with manufacture of aerated waters is expressly excluded from the indemnity granted under this Policy. 343. It is hereby understood and agreed that this Policy does not indemnity the Insured in respect of any claim arising in connection with fixing repairing or winding tower, turret or railway clocks.
344. It is hereby understood and agreed that this Policy is issued on the expres s understanding and condition that no manufacture of Celluloid Toys is carried on . 345. In consideration of the payment of an additional premium it is hereby understood and agreed that this Policy subject to its terms provisions and conditions is extended to indemnify the Insured in respect of the reasonable medical surgical and hospital expenses (including cost of conveyance to hosp ital) incurred by the Insured in connection with any case of injury to which the indemnity granted under this policy applies o r would have applied had disa blement exceeded three days. Provided always that the liability of the Company under this endorsement shall be limited to Rs..........in respect of any one case of injury. 346. See Residual Liability Tariff sheet 6 347................. 348................. 349. Notwithstanding anything to the contrary contained in the within Policy the Insured undertakes to make to the Company within one month of the termination of Insurance a declaration of max imum number of members of th e club insured by the within Policy during such Period of Insurance and if the total number so declared shall differ from the number in respect of which premium has been paid, a proportionate additional premium shall be paid to or a proportionate refund of premium be made by the Company as the case may be. 350. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of : - a) any accident arising out of any work in connection with : - 1) the use of explosives; 2) the making of sewers and/or other excavations exceeding in any part a depth of 3 Metres from the surface; 3) Quarrying;
4) Tunnelling ; b) any death due solely and directly to working in or being released from compressed air or d isablement of any kind arising from caisson disease otherwise called compressed air sickness. 351. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of : - a) any accident arising in connection with : - 1) any work other than of maintenance and/or repair 2) water diversion, pile driving dam construction or work within or behind dams; 3) the removal or fixing of dock gates; 4) the employment of drivers or the use of explosives. b) any death due solely and directly to working in or being released from compressed air or disablement of any kind arising from caisson disease otherwise called compressed air sickness. 352. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of : - a) any accident arising out of any work in connection with the construction of bridges exceeding or designed to exceed any part whe n completed 6 Metres in height from road or water level at low tide or in connection with the construction of bridges built of other material than brick stone, timber or conc rete. b) any death solely and directly to working in or being released from compressed air or disablement of any kind arising from caisson disease ot h erwise called compressed air sickness.
352A. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of : - a) any accident arising out of any work in connection with the const ruction of bridges bu ilt of other material than brick stone timbe r or concrete. b) any death due solely and directly to working in or being released from compressed air or disablement of any kind arising from caisson disease otherwise called compressed air sickness. 353. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of : - a) any accident arising out of any work in connection with : - 1. the use of explosives 2. quarrying 3. tunnelling. b) any death due solely and directly to working in or being released from compres sed air or disablement of any kind ar ising from caisson disease otherwise called compressed air sickness. 354. It is hereby understood and agreed that the indemnity granted under this Policy does not extend to indemnify the Insured in respect of : - a) any accident arising out of any work in connection, with the construction, alteration or demolition of buildings, the construction alteration, maintenance or repair of pumping stations, reservoirs, filter beds and softening tanks, the sinking and digging of wells and the handling and use of explosives. b) any death due sole ly and directly to working in or being released from compressed air or disablement of any kind arising from caisson
disease otherwise called compressed air sickness. 355. It is hereby understood and agreed that any work in connection with the sinkin g of shafts in connection with underground operations is expressly excluded from the indemnity granted under this Policy. 356............... 357. It is hereby understood and agreed that this Policy is issued on the expres s understanding and condition that commercial Travellers covered under item .........of the schedule are pro hi bit ed from using Motor Cycles, Scooters in course of their employment. workmen/archana - d
WORKMEN’S COMPENSATION TARIFF TARIFF POLICY FORM - TABLES A and B Notes for the guidance of Tariff Insurers: - 1. When Table “A” Policy is to be issued insert the following in the column for Law(s) in the Schedule of the Policy : - Workmen‟s Compensation Act, 1923 and subsequent amendments of the said Act prior to the date of the issue of the Policy provided that the Insurance granted hereunder is not extended to include: i) any interest and/or penalty imposed on the Insured on account of his/their failure to comply with the requirements laid down under the W.C. Act, 1923. 2. When a Table “B” Policy is to be issued, insert the following in the Column for Law(s) in the Schedule to the Policy. The Fatal Accidents Act, 1855. 3. Occupational diseases listed in part “C” of the sc hedule III to the W.C. Amendment Act, 1984 may also be covered under the W.C. Policy at an additional premium of 50% of the book rate. 4. Compressed Air Disease listed part “A” of the schedule II I to the W.C. Amendment Act, 1984 may also be covered under the W.C. Policy at an additional premium of 25% of the book rate.
WORKMEN‟S COMPENSATION POLICY WHEREAS the Insured carrying on the Business described the Schedule and no other for the purpose of this insurance by a proposal and declaration which shall be the basis of this contract and is deem ed to be incorporated herein has appl ied to the Company for the insurance hereinafter contained and has paid or agreed to pay th e Premium as consideration for such insurance. NOW THIS POLICY WITNESSETH that if at any time during the period of Insurance any employee in the Insured‟s immediate service shall sustain personal injury by accident or disease arising out of and in the course of his employment by the Insured in the Business and if the Insured shall be liable to pay compensation for such injury either under : the L aw(s) set out in the Schedule or at Common Law then subject to the terms exceptions and conditions contai ned herein or endorsed hereon the Company will inde mnify the Insured against all sums for which the Insured shall be so liable and will in addition be respo nsible for all costs and expenses incurred with its consent in defending any claim for such compensation. PROVIDED ALWA YS that in the event of any change in the Law(s) or the su bstitution of other legislation therefor this Policy shall remain in force but the liability of the company shall be limited to such sum as the Company would have been liable to pay if the Law(s) had remained unaltered. EXCEPTION The Company shall not be liable under the Policy in respect of : a) any injury by accident or disease directly a ttri butable to war inv asion act of foreign enemy hos til i ties (whether war be declared or not) civil war mutiny insurrection rebellion revolution or military or usurped power
b) the Insured‟s liability to employees of contractors to the Insured. c) any liability of the insured which attaches to virtue to an agreement but which would not have attached in the absence of such agreement d) any sum which the Insured wo uld have been entitled to recover from any party but for an agreement between the Insured and such party. CONDITIONS 1. This Policy and the Sc hedule shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this Policy o r of the Schedule shall bear such specific meaning wherever it may appear. 2. Every notice or communication to be giv en or made under this Policy shall be delivered in writing to the Company. 3. The Insured shall take reasonable precautions to prevent accidents and disease and shall compl y with all statutory obligations. 4. In the event of any occu rrence which may give rise to a claim under this Policy the Insured shall as soon as possible give notice thereof to the Company with full particulars. Every l etter claim writ summons and process shall be notified or forwarded to the Company immediately on rec e ipt. Notice shall also be given to the company immediately the Insured shall have knowledge of any impendin g prosecution inquest or fatal enquiry in connection with any such occ u rrence as aforesaid. 5. No admission offer promise or payment shall be made by or on behalf of the Insured without the consent of the Company which shall be entitled if it so desires to take over and conduct in his name the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for i ndemnity or damages or otherwise and shall have full descr etion in the conduct of any proc e edings and in
the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 6. The first premium and all renewal premiums that may be accepted are to be regulat ed by the amount of wages and salar ies and other earnings paid by the Insured to employees during each Period o f Insurance. The name of every employee together with the amount of wages salary and oth er earnings shall be properly reco rded and the Insured shall at all times allow the Company to inspect such records and shall supply the Company with a correct account of all suc h wages salaries and other earnings paid during any period of Insurance with one month from expiry date of such Period of Insurance. If the amount so paid shall differ from the amount on which premium has been paid the difference in premium shall be met by a further proportionate payment to the Company or by a refund by the Company as the case may be. 7. The Company may cancel this Policy by sending seven days notice by registered letter to the Insured at his last known address and in such event the premium shall be adju s ted in acco r d ance with Co n d i tion 6. 8. If any difference shall arise as to the quantum to be paid under this Policy, (liability being otherwise admitted) such difference shall independe ntly of all other questions be referred to t he decision of an arbitrator, to be appoi nted in writing by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two disinterested persons as arbitrators of whom one shall be appointed in wr iting by each of the parties w ithin two calender months after having been required so to do in writing by the other party in accordance with the provisions of the Arbitration Act 1940, as amended fr om time to time and for the time being in force. In case either party shall refuse or fail to appoint ar bitrator within two calender months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint sole arbitrator, and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings.
It is clearly agreed and understood that no difference or di spute shall be referrable to arbitration as hereinbefore provided, if the Company has disputed or not accepted lia bility under or in respect of this Policy. It is hereby expressly stipulated and declared that it shall be condition to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage shall be first obtained. It is also hereby further expressly agreed and declared that if the Company shall disclaim liab ility to the Ins ured for any claim hereunder and such claim shall not within 12 calender months from the date of such disclaimer have been made the subject matter of a suit in a court of law, then the claim shall for all purposes be deemed to have been aband ened and shall not thereafter be recoverable hereunde r. 9. The due observance and fulfilment of the terms, conditions and endorsements of this Policy so far as they relate to anything to be done or not to be done by the Insured and the truth of the statements and answe rs in the Proposal shall be conditions precedent to any liability of the Co mpany to make any payment under this Policy.
WORKMEN’S COMPENSATION TARIFF SCHEDULE Policy No. ------------------------------------------------------------------------------------------------ Company ------------------------------------------------ ------------------------------------------------ In sured : Name Address Business: ------------------------------------------------------------------------------------------------ Period of Insurance: (a) From to (both dates inclusive) (b) Any subsequent period for which the Insured shall pay and the Company shall agree to accept a renewal premium. ----------------------------- ------------------------------------------------------------------- Premium: Subject to adjustment in the terms of Conditions 6 The estimated amount of wages salaries and other earnings on which Premium is based.
------------------------------------------------------------------------------------------------ Estimated Number of Employees Occupation of Employees Estimated Total Salaries Wages and other money earnings Value of food fuel quarters and other cons ideratio n in addition to money earnings Estimated Total Earnings Place or Places of Employment . Date of signature of Proposal and Declaration Sig nature on WORKMEN’S COMPENSATION INSURANCE TARIFF PROPOSAL FORM Indemnity under the Workmen‟s Compensation Act 1923 and subsequent amendments of the said Act prior to the date of the issue of the Policy; the F atal Accidents Act, 1855; and at Common Law. Proposer‟s names in full ___________________________________________ Proposer‟s business address ________________________________________ Proposer‟s trade or occupation______________________________________ Particulars of work _______________________________________________ _____________________________________________________________ SCHEDULE ALL PERSONS EMPLOYED MUST BE INCLUDED -------------- -------------------------------------------------------------------------------- Estimated Annual (For Office use onl y) Wages, Salaries and other Earnings ------------------------------------------------------------------------------------------------ Description of Employees 1 E stimated Number of Employees 2 Cash 3 Living or other a llowances if any) Total Insurance required State Table A or B of prospectus Rate %o PREMIUM
4 5 6 Clerical Staff Commercia l Travellers Employees engaged with woodworki ng machinery including machinists and machinists labourers The total amount of wages salaries and other earnings paid by me during the past twelve months wa s Rs................. Do you wish to insure your liability under the Workmen‟s Compensation Act, 1923 and subsequent amendments of the said Act prior to the date of the issue of the Policy to the workmen of contractors? If so please state: - Names of Contractors Full details of work subject (Specify exact, nature of work) In cases for which the contract is for labour only, state total amount of contract or wages paid In case for which the contract is for labour and materials state estimated amount of contra ct. In case for which contract is for labour materials and equipment, state estimated amount of contract. Rs. Rs Rs. Rs. Rs. Rs. Rs. Rs. Rs. TOTAL PREMIUM 1. Does the above, schedule include - (a) All persons in your service? (b) All your subcontractors? (a) (b) 2. Are your premises a Factory within the meaning of the Factories Act? 3. (a) Have you any circular saws or other machinery driven by ste am gas, water electricity or other mechanical power? (a)
If so give full particulars. (b) Are your machinery, plant and ways properly fenced and guarded and otherwise in good order and condition? (b) 4. (a) Is your Boiler registered under the Indian Boiler Act, 1923? (b) If not under what conditions is it exempted from such registration (a) (b) 5. State what acids, gases chemicals or explosives will be used and to what extent? 6. Are you at present insured or have your ever proposed for an insurance in respect of your liability to your employees? If so, please give the name of the Company or Companies. 7. Has any proposal for an insurance in respect of your liability to your employees or renewal thereof even been declined or withdrawn? (a) Declined........... (b) Withdrawn. 8. State the total wages paid and particulars of accidents to your employees during the past three years. ------------------------------------------------------------------------------------------------ --- Total Fatal Perm.Disablement Temp.Disableme nt Wages ------------------------------------------------------------------------------------------------ No. Cost. No. Cost. No. Cost. ----------------------------------------------------------------------------------------------------------------------------- Rs. ...................... .......... Rs .....................................Rs.........................................Rs.............. Rs .................................Rs.....................................Rs.........................................Rs........ ...... Rs.................................Rs.....................................Rs.........................................Rs...... ....... -------------------------------------------------------------- --------------------------------------------------------------- I/We the undersigned this.........day of.............19 .......... desire to effect an insurance in terms of the Policy to be issued by the Company against my/our Statu tory and Common Law liability above mentioned. I/We agree to render, at the end of each period of insurance, a statement in the form required by the Company of all wages actually paid, and to pay premium on a n y wages paid in excess of the amount esti mated above, I/We hereby decla re that all the above statements and particulars, which I/We have read over checked, are true that I/We have not suppressed misrepresented or mis - stated any material fact, that I/We have fairly estimated my/our total wages and salaries expenditure and I/We agree that this declaration shall be the basis of the contract between me/us and the ..............Company. Date........................ Signature of Proposer................................
WORKMEN’S COMPENSATION INSURANCE COLLIERY PROPOSAL FORM For Insurance Granting Indemnity under the workmen‟s Compensation Act, 1923 and subsequent amendments of the said Act prior to the date of the issue of the Polic y; the Fatal Accidents Act, 1855; and at common Law. ------------------------------------------------------------------------------------------------ 1. Full name of Proposer . . 2. Title of Firm and/or Limited Liability Company . . 3. Name of Managing Agents . . 4. Address of Managing Agents . . 5. Name of Colliery (in full) . .
6. Postal address (in full) and District . . 7. Is Colliery situated in India ? . . { 8. Annual Output . . { { { Raisings Tons Dispatches Tons 1. Coal 2. Rubble, Dust and Slack 3. Coking Coal SCHEDULE OF EMPLOYEES (DIRECT LABOUR) ALL PERSONS EMPLOYED MUST BE INCLUDED Description of Employees ESTIMATED For Office ANNUAL WAGES use only AND ALLOWANCES Estimated Cash Free Quarters, Total Insurance Rate Premium daily number living or other required %o of Employees allowances (state Table (if any) A or B. 1 2 3 4 5 6 Clerical staff engaged : - i) On surface ii )Underground Employees engaged with wood working machinery Remainder of employees; a) Surface employees only b) Underground Rs. Rs. Rs.
employees i) Pits ii) Inclines levels or drifts c) Pitsinking, deepening enlarging or reopening D) Opening out or reopening levels inclines or drifts e) Others a) The total amount of wages, salaries and other earnings paid by me/us during the past twelve months was I) Clerical Staff on surface Rs. ii) Ditto underground Rs. iii) All others Rs. Total Rs. b) Give full details of the nature of the allowances shown under column (4) above. c) Do you provide all your employees with free quarters? If not, what proportion of them receive free quarters? d) Do you wi sh to insure your liability under the workmen‟s Compensation Act, 1923 and subsequent amendments of the Act prior to the issue of the Policy in respect of the workmen of Contractors? If so, complete details as below : - SCHEDULE OF CONTRACTORS’ EMPLOYEES ALL CONTRACTORS MUST BE INCLUDED Names of contractors Full details of work subject (specify e xact, nature of work) In cases for which the contract is for labour only, state total amount of cont ract or wages paid In case for which the contract is for labour and materials state estimated amount of contract.
Do the above schedules include : - a) All persons in your service ? b) All your Contractors‟ or sub - contractors ‟ emplo yees? ----------------------------------------------------------------------------------------------------------------------------- INSURANCE ACT , 1938 Prohibition of Rebates Section 41 of this Act reads : - (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on
the policy, nor shall a ny person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. (2) Any person making default in complying with provisions of this Section shall be punishable with fine which may extend to five hundred rupees. Date:........................ Signature......................................... 9. Average daily number of employees - (a) on surface (b) underground (a) (b) 10. Greatest number employed underground in any one pit, level, incline or drift, etc., at one time. 11. Do the workmen descend or ascend by means of a cage or do they walk in? 12. State Greatest number descending or ascending in cage at any one time. whether colliery consists of pits or inclines, levels or drifts
N.B. By “pit” is meant a working whether the workmen enter and/or leave the underground by means of case of lift. 14.(a) The n umber and names of each pit, incline, level and drift (b) The number and names of those being worked (a) (b) 15. Particulars of all Shafts Number Depth Shape shaft ............................................. ............................................. ............................ 16. State greatest distance to any “face” from mouth of incline and/or shaft 17. Of what is the roof composed? 18. At what inclination is each incline driven? (a) To the rise .....................inches per yard ( b) To the dip....................inches per yard. 20 .Is in automatic contrivance in use to prevent over winding of the haulage and the cages? 21. Are employees or is coal wound from up - cast pit? If so, are guards provided to prevent the floating boards” being carried up to the sheaves? 22 .What motive power is used underground? 23. Are there any old workings in or adjoining your property? 24. If so, state the nearest point of these to your own workings 25. Are the old workings at a higher or a lower level than your own workings? 26 Is there any accumulation of water in the old workings? 27. If no accumulation of water in the old workings, what quantity of feeder in gallons per minute is made therein and how is same disposed of 28.(a) Has any inundation ever occurred? If so : - (b) Give date and (c) State number of persons killed and injured (a) (b) (c) 29. How is the water underground in the existing workings disposed of? 30. Is the colliery, fiery or dusty?
N.B. By fiery or dusty mine is meant on where safety lamps are required to be used under the Indian Mines Act 1923 or any Order made thereunder or any special order of the Inspector of Mines. 31. Has fire damp ever been found in the colliery ? If so, give dates. 32. Has any ignition of fire damp ever taken place? If so : - (a) Give date and (b) State number of persons killed and injured (a) (b) 33. Has any other accident occurred involving more t han 3 deaths? 34.(a) How is ventilation effected? (b) Number of cubic feet of air per minute passing through the mine. (a) (b) 35. Do you use explosives ? If so state : - (a) Description of explosives used (b) Method of firing adopted (a) (b) 36. Are your machinery plant and ways properly fenced and guarded and otherwise good order and condition? 37. (a) Are your boilers, registered under the Indian Boiler Act, 1923? (b) If not under what conditions are they exempted from such registration? (c) When were they last inspected by the Inspector of Boilers? (a) (b) (c) 38. State : - (a) What abstracts of the Indian Mines Act are posted at your colliery? (b) What Regulations and Rules are so posted? (c) What Bye - Laws are in force at Colliery? A copy must be attached. (a) (b) (c) 39 .Is there any fire area in the underground workings of the colliery or in adjacent old workings? If so, give full details. 40. What system is adopted in regard to the inspection of the stopping and for localising the fire area? 41. Have you complied with all the provisions of the Coal Mines (Temporary ) Regulations 1936. 42. Has the Chief Inspector, or the Inspector of Mines, issued
any special orders upon the colliery in the last 12 months to (a) prohibit the extraction or reduction of pillars in any part of the mine; (b) provide against any outbreak of fire of fire sealing of f or isolation or any part of the colliery, (c) limit of dimensions of any of the galleries that may driven in the colliery, (d) provide against explosion or ignitions, or irrupt ions of or accumulations of water in the colliery and (e) provide for any other circumstances? If so, give full details and state whether orders completed with. (a) (b) (c) (d) (e) 43. Is any method of stowing adopted for filling in the areas whence coal is removed? If s o, give details of method adopted. 44. Give the last two dates on which the Chief Inspector, or the Inspector of Mines, Inspected the colliery underground workings, including the fire area. Attach hereto copies of the reports submitted by the Inspector following these two visits and also your replies to those reports. 45. State the total wages paid and particulars of Accidents to all direct employees and Contractors‟ employees during the past 3 years.
Year Total wages, expended including Contractors‟ wages --------------------------------------------------------------- 19 Rs........................................................ 19 Rs........................................................ 19 Rs........................................................ ----------------------------------------------------------------------------------------------------------------- Numbers of Claims and Compensation actually paid ----------------------------------------------------------------------------------------------------------------- Year Fatal Permanent Disablement Temporary Disablement ------ -------------------------------------------------------------------------------------------- Number Cost. Number Cost. Number Cost ----------------------------------------------------------------------------------------------------------------- 19 ................ Rs..............................Rs................................................Rs...... .............. 19 .................Rs....................... .......Rs................................................Rs.................... 19 .................Rs..............................Rs................................................Rs...... .............. ----------------------------------------------------------------------------------------------------------------- Numbers and estimated cost of Claims still unsettled ------------------------------------------------------------------------------------------- ---------------------- 19 .........................Rs...................................Rs...................................Rs............ .............. 19 .........................Rs..................................Rs....................................Rs............ ............... 19 .........................Rs..................................Rs....................................Rs............ ............... ---------------------------------------------------------------- ------------------------------------------------- 46.(a) Are you at present insured or have you ever proposed for an insurance in respect of your liability to your employees? If so, state name of Company or Companies. (b) Has any such proposal for an insurance in respect of your liability ever been declined or withdrawn? If so, state name of Company. (c) Has any company declined to renew your insurance? If s o state name of Company.
I/We the undersigned this.........day of.............19..........desire to effect an insurance in terms of the Policy to be issued by the Company against my/our Statutory and Common Law liability above mentioned. I/We agree to render, at the end of each period of insurance, a statement in the form required by the Company of all wages actually paid, and to pay premium on any wages paid in excess of the amount estimated above, I/We hereby declare that all the above statemen ts and particulars, which I/We have read over checked, are true that I/We have not suppressed misrepresented or mis - stated any material fact, that I/We have fairly estimated my/our total wages and salaries expenditure and I/We agree that this declaration shall be the basis of the contract between me/us and the ..............Company. D ate: .........................................................Signature of Proposer........................................... Delete if not required WORKMEN’S COMPENSATION INSURANCE PROSPECTUS The Insurance provides for two forms of cover, namely : - Table A: Indem nity against legal liability for accidents to em ployees under the Workmen‟s Compensation Act, 1923 and subsequent amendments of the said Act prior to the date of the issue of the policy; The Fatal Accidents Act 1855 and at Common Law only. Table B: Indemnity against legal liability under the Fatal Accidents Act, 185 and at Common Law only. workmen/archana - d
Sanjeev Kumar

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