An organization in capacity of an employer can carry a potential liability towards employees who may die or get injured during the course of carrying out their duties. The provisions of the relevant labor laws govern this liability.

Over and above, the employees or their inheritors may sue the employer in a civil court under common laws. The Workmen's Compensation policy will provide indemnification to the employer against these risks.

Basic cover can be extended to protect the wellbeing of both employers and employees.