The WIBA policy covers any occupational illness and accidents during the course of employment, including medical expenses and loss of wages for either body injury or the death of an employee as per the WIBA Act 2007.

The WIBA 2007 was enacted to compensate employees for work related injuries and diseases contracted in the course of their employment and requires that employers obtain and maintain insurance in respect of liabilities incurred under the Act. WIBA is designed to provide this cover as an employer's liability under the Act.