Workmen's Compensation

  The workers' compensation system was established to provide an expeditious administrative program to provide benefits to the injured worker as a result of an industrial accident or occupational exposure.

The benefits are to be awarded with a minimum of delay. The system provides a direct remedy to the worker and limits litigation and exposure to the employer. Recovery for the injured employee is based upon a statutory scheme enacted by the legislature which limits the employer's liability.

The injured worker is entitled to his weekly earnings for temporary disability benefits and to a statutory schedule for permanent disability benefits.  

Scope Of Cover                                                                                                   This policy indemnifies the insured in respect of his/her legal liability under the employer’s liability legislation of Ghana and in compliance with the workmen compensation law (P.N.D.C.L 187) for personal injury, fatal or otherwise to those workmen where such injury arises out of land and in the course of their employment. 

Compensation is payable in respect of
2.Permanent Disability
3.Temporary Disability resulting in loss of hearing
4.Medical expenses

The policy could be extended to cover common law liability which will cater for the situation whereby an employee is not satisfied with the initial benefit awarded to him and decide to resort to the law court for high compensation.   ·      

  In this case any reasonable award ordered by the court will be well covered and paid by the Insurer if the policy covers common law liability.

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Risk & Insurance Products

Health Insurance

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses.

Life Insurance

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary an agreed sum of money upon the occurrence of the insured person's or persons death in return for the payment of a premium.

Prudential Group Life Insurance

Group Life Insurance assures employees that in the unlikely event of death, disability or critical illness, a multiple of their annual salary will be provided to their beneficiaries as a replacement income.

Travel Insurance

This policy provides financial relief to International travelers for medical expenses and hospitalization abroad, delayed departure, location and forwarding of baggage and personal effects,

Contractor's All Risk Insurance

This policy promises to indemnify the insured in respect of loss, damage or destruction of any of the contract works both temporary and permanent while in the cause of construction or whilst on the contract site etc

Bankers Indemnity Insurance

The policy indemnifies the insured for all losses sustained and discovered in the manner described here below within the period of insurance.

Directors & Officers Liability Insurance

Bad business decisions by directors and mangers are likely to attrac the increased attention of shareholders and other third parties who are looking to recover losses.

Group Funeral

The objective of this plan is to insure the obligations of the employer in the unlikely event of an employee's death.

Enterprise Living Plus Plan

The Enterprise Living Plus Plan is a “one-stop life insurance solution product” specifically designed to meet both the death and survival needs of the middle-class market.

Personal Insurances

Whether for your house, contents, vehicles or personal properties, WESTOM Insurance Brokers can help you to create bespoke solutions for your personal insurance need

There will be no need of insurance if we are living in a perfect world. Our cars,businesses, properties and homes will remain undamaged