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Work Injury Compensation Insurance and Incompatible Works

2nd May 2019 by SGBizInsure Leave a Comment

When dealing with Work Injury Compensation Insurance, you may come across the word “Incompatible works”. This can result in workplace injuries occurring in many industries including marine, oil & gas, manufacturing (chemical / pharmaceutical / food), waste management etc.

Unfortunately, companies (be it a SME or a MNC) at times often ignore or overlook the dangers/risks that come with incompatible works. This is notwithstanding that workplace injuries arising from incompatible works for any industry could also warrant a prosecution action and/fine from the Ministry of Manpower.

What is Incompatible Work

Incompatible work occurs when two or more high-risk work activities are being carried out in the same vicinity at the same time. Both sets of workers will be exposed to hazards created from their work and an overlapping set of hazards from the other activity. Typical examples of incompatible work include:

  • Workers on a scaffold whilst a crane is hoisting materials above the scaffold
  • Movement of forklifts in an area where workers are carrying out checks on inventory in a warehouse
  • Hot-work near a chemical storage area, resulting in a mix of incompatible chemicals

How to mitigate incompatible work

Segregating different type of works – be it in a factory, worksite, shipyard or even offices would be the ideal solution. However, real-time scenarios sometimes pose challenges including tight work schedules, limited space and needed interfacing works.

In some countries, mandatory legal requirements drive the mitigating measures to manage incompatible work. For instance, all construction worksites and shipyards in Singapore are required to implement a permit to work system for specific high risk works. The permit to work system invokes an assessment process prior to the high-risk work activity which includes identifying possible incompatible work within the work area. Apart from the construction industry, there are mandatory permit-to-work requirements for working at height and works in confined spaces which are applicable in all workplaces.

A worker’s awareness of workplace hazards is also critical in enabling the worker to report incompatible work when it occurs. In addition, an effective site safety oversight team will deter parties from carrying out incompatible work at a workplace. Progressive safety culture in a workplace creates an environment where workers report unsafe activity such as incompatible work and propose solutions to mitigate the hazard and improve the current situation.

Many workplaces have difficulties in managing incompatible works. Some workplace injuries occur in environments that are not typically regarded as high risk.

It is thus important for your companies to identify your potential incompatible works within your workplaces and introduce preventive measures to mitigate the risk of workplace injury befalling on their staff/workers.

Some Work Injury Compensation Insurance providers partner with safety management and audit organizations to provide exclusive risk engineering services through Onsite Dialogues for selected clients.

Through Onsite Dialogues, the Risk Engineering Team can assist your company by assessing the state of occupational health and safety risks at your workplaces and offer possible mitigation measures with the aim to minimise accidents and propagating safer and better workplaces.

To find out more on this service, please contact us using the form below.

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    Filed Under: Work Injury Compensation Tagged With: foreign worker insurance, WICA

    Does Motor Insurance Cover GrabHitch

    10th October 2018 by SGBizInsure Leave a Comment

    Is accident during a GrabHitch ride covered by Motor Insurance?

    Recently, Liberty insurance clarified that they consider GrabHitch to be similar to carpooling. According to Liberty insurance, “under Section 142 of the Road Traffic Act, this is not considered for hire or reward, nor do drivers need to convert their private car motor insurance to commercial motor insurance to drive with GrabHitch”.

    In the event of an accident occurring during a GrabHitch ride, both the named driver and passengers will be covered under the same terms as if it was a regular ride.

    Note this only applies to motor insurance purchased by Liberty Insurance. If you are a GrabHitch driver, you should check with your existing insurer about their terms and conditions.

    Filed Under: Motor Insurance

    What is covered under Workmen Compensation Insurance

    26th July 2017 by SGBizInsure Leave a Comment

    As an employer, you are often required to purchase Work Injury Compensation Insurance (a.k.a. Workmen Compensation Insurance). Do you know what benefits are covered under this insurance policy?

    Most workmen compensation insurance will pay claim according to the Work Injury Compensation Act.

    The Work Injury Compensation Act lets employees claim for 3 things:

    1. Medical leave wages
    2. Medical expenses
    3. Lump sum compensation for permanent incapacity or death.

    But there are limits to each type of compensation.

    [Read more…]

    Filed Under: Work Injury Compensation Tagged With: foreign worker insurance, insurance claim

    Work Injury Compensation Insurance

    1st July 2017 by SGBizInsure Leave a Comment

    You need to get work injury compensation insurance for all employees doing manual work, as well as all employees earning less than $1,600 a month.

    wica-scaffolding-image

    Who needs to be insured under work injury compensation

    If you are an employer, you are required to buy work injury compensation insurance for:

    1. All employees doing manual work, regardless of salary level.
    2. All employees doing non-manual work, earning less than $1,600 a month.

    You must have insurance for both local and foreign employees. Failure to provide adequate insurance is an offence carrying a fine of up to $10,000 or jail of up to 12 months, or both.

    For other employees, you have the flexibility to decide whether to buy insurance for them. However, if those employees make a valid claim, you will have to compensate them regardless of whether they are insured.

    [Read more…]

    Filed Under: Featured, Work Injury Compensation Tagged With: foreign worker insurance

    Hassle free motor insurance claim with LibertyOne

    1st April 2017 by SGBizInsure Leave a Comment

    Bumps on the road often translate to bumps in your life. Procedures and paperwork can be all too time-consuming and completely derail your plans.

    But if you are a motor insurance policyholder with Liberty Insurance, your post motor accident experience will be a breeze with LibertyOne.

    LibertyOne takes care of all your needs, freeing you up and getting your life back on track as soon as possible. LibertyOne is a 3-in-1 solution

    1. Report – They’ll come to wherever you are to help you out with reporting the accident.
    2. Repair – When they come help you with the accident report, your car will also be driven to a LibertyOne preferred workshop for repairs.
    3. Replacement Car – At the same time, Liberty will hand over your free replacement car for up to 30 days. Once your repairs are done, they’ll even deliver your fixed car to you and pick up the replacement car on the spot.

    You don’t need to sign up LibertyOne. As long as you’re covered by Liberty’s comprehensive private motor insurance, you’re already enjoying the service.

    Filed Under: Motor Insurance Tagged With: insurance claim

    AXA merges its general and life insurance entities

    4th January 2017 by SGBizInsure Leave a Comment

    Insurance group AXA has announced that its general and life insurance businesses have been merged into a single entity under AXA Insurance Pte Ltd.

    The conssolidation was carried out through a scheme of transfer which was licensed and approved by the Monetary Authority of Singapore and the High Court.

    AXA Insurance Singapore transferred its business to AXA Life Insurance Singapore Private Limited from Jan 1, 2017, with the single entity being granted a composite insurance license which will provide customers with greater convenience to access a full range of integrated general and life insurance solutions.

    Filed Under: Insurance

    No more undertaking on project and annual Work Injury Compensation Insurance

    7th December 2016 by SGBizInsure Leave a Comment

    With effect from 1 January 2017, the Market Agreement for WIC in relation to Project Insurance (“the Undertaking”) will be canceled with respect to all accidents that occur on or after 1 January 2017.

    Background

    In 2012, GIA organized the Undertaking, signed by 39 GIA members, to direct project site WIC and Common Law claims to be covered under the project’s WIC policy.

    Cancellation Of Undertaking On Project And Annual Policies

    Signatories to the Undertaking have been encountering difficulties adhering to its requirements including identifying project insurers. Statistically, only an average of 6.6% of WIC claims could identify project insurers over the period 2014 – 2016.

    Notwithstanding GIA’s efforts to enforce the Undertaking amongst projects, MOM’s position is that Section 23 WICA makes clear the liability of the employer’s insurer to pay WIC to an injured worker and this rule prevails even where there are multiple WIC insurance policies in force.

    The failure of the Undertaking to achieve its aim has led the GIA to cancel the Undertaking with effect from 1 January 2017.

    [Read more…]

    Filed Under: Work Injury Compensation Tagged With: foreign worker insurance

    Hole-In-One Insurance

    28th September 2016 by SGBizInsure Leave a Comment

    If you are a golf tournament organiser, you often need to offer a hole-in-one prize to promote a tournament sponsor, be it a first class air ticket or a high end Mercedes car.

    In order to be able to afford such expensive prizes, you can purchase a hole-in-one insurance, also known as prize indemnity insurance to protect yourselves from having to pay for the prize from your own funds.

    hole-in-one

    What does hole-in-one insurance cover

    Typically, the insurance indemnifies you in respect of your assumed liability to pay the prize award to the first registered participant who achieves a Hole-In-One whilst taking part in the golf tournament.

    [Read more…]

    Filed Under: Liability Insurance

    GST Exemption for Insurance Bonds

    29th August 2016 by SGBizInsure Leave a Comment

    If you run a business, you may be required to produce credit facilities or guarantor-ship from time to time. This can often be fulfilled by purchasing a bond from an insurance company by paying a premium.

    In Singapore, the most common bonds are

    • Security Bond for foreign workers
    • Undertaking Bond

    If you run an employment agency, you are required to submit Employment Agency Bond (Banker’s Guarantee) to Ministry of Manpower.

    Do you know that you have been overpaying the insurance by 7% because you were paying GST on the bond premium?

    [Read more…]

    Filed Under: Bond Insurance Tagged With: security bond

    What is car insurance excess

    28th July 2016 by SGBizInsure Leave a Comment

    Car insurance excess, also known as deductible, is the first amount of the claim which the insured person has to bear.

    One person died in this three-car crash. (KATU News photo)

    For example, if the insured person has an excess of $500 and the total repair costs $5,000, then the insured has to pay $500 while the insurer pays the remaining $4,500.

    With an excess, the car owner would tend to be more careful. This is because if a claims occur, the insured also has to be out of pocket and share the claim. Imposes some excess will help insurer manage the overall claim.

    [Read more…]

    Filed Under: Motor Insurance Tagged With: insurance claim

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