Workmen's Compensation Insurance Calculator — Ghana
Compulsory for all employers in Ghana. Enter your wage roll and staff type — get an instant premium estimate. No sign-up required.
Select staff type and enter wage roll to calculate.
Also need Group Life?
WC covers work hours only. Group Life covers death from any cause, 24 hours a day. Most Ghanaian employers carry both.
Calculate Group LifeWorkmen's Compensation in Ghana — What It Covers
Standard Cover
- Injury sustained in the course of employment
- Partial or total disability from work injury
- Death arising from employment
- Medical expenses (with extension)
- Common Law / court damages (with extension)
- Occupational disease (with extension)
Key Facts
- Compulsory for all employers in Ghana
- Governed by PNDCL 187 (1987)
- NIC minimum: 0.35% clerical | 1.0% non-clerical
- 20% composite VAT applies
- Covers work hours only (not 24-hour)
- Group Life needed for out-of-work cover
Who Needs It
- Construction and civil engineering companies
- Factories and manufacturing plants
- Hospitals, clinics and health facilities
- Security and guard companies
- Mining and quarrying operations
- Logistics and transport companies
- Any employer with manual or field-based workers
Frequently Asked Questions
What is Workmen's Compensation insurance in Ghana?
Workmen's Compensation (WC) insurance in Ghana is a statutory employer's liability cover governed by PNDCL 187 (1987). It is compulsory for all employers and covers employees who suffer injury, disability, or death arising out of and in the course of their employment. The NIC regulates minimum rates and benefits.
How is Workmen's Compensation premium calculated in Ghana?
WC premium = Annual Wage Roll × Rate. The NIC minimum rate is 0.35% for clerical (office/admin) staff and 1.0% for non-clerical (manual/field) staff. Optional extensions — Medical Expenses (+33⅓%) and Common Law / Employer's Liability (+40%) — are added to the basic premium. 20% composite VAT applies to the net premium.
Is Workmen's Compensation compulsory in Ghana?
Yes. Workmen's Compensation insurance is compulsory in Ghana under PNDCL 187. Every employer is legally required to insure employees against work-related injuries, disability, and death. Failure to insure is a criminal offence under Ghana law.
What is Employer's Liability extension in WC?
The Employer's Liability (Common Law) extension broadens the basic WC policy to cover damages awarded by a court of competent jurisdiction against the employer for injuries suffered by employees through employer negligence. The basic WC policy only covers statutory benefits under PNDCL 187; the Common Law extension covers common-law negligence claims which can far exceed statutory limits.
What is the difference between Workmen's Compensation and Group Life in Ghana?
Workmen's Compensation covers work-related injuries, disability, and death that occur in the course of employment — it is compulsory. Group Life insurance covers death and disability from all causes, including natural death outside work hours — it is voluntary but commonly provided as an employee benefit. Many employers carry both, which together provide complete coverage for their workforce.