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Indicator 3.5.14
by Contact on 8 October 2026
Requirement
The UoC shall, where not provided by a state or national social security or health system, provide and pay for insurance or have a system to cover costs for all employees for all work-related accidents or injuries. This shall include at least the following: a) the cost for transport and medical treatment and medication needed to treat the accident or injury; and b) the cost for transport and medical treatment and medication needed for recovery; and c) compensation for lost working hours; and d) cost for any required repatriation in case of migrant workers.
How Do I Interpret This Requirement?
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The UoC is responsible for caring for its employees and protecting them from any financial impacts of an accident or injury.
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The UoC should ensure that employees are protected from unfair dismissal if they are unable to work for long periods.
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Depending on the level of the national social security of the country where the site is located, there are likely to be different costs that the UoC is responsible for.
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For example: an employee injures his back lifting boxes of feed from a truck. He suffers an acute injury, falls down and struggles to stand. The site manager provides him with some painkillers from the first aid kit and takes him in a site vehicle to the nearest hospital. The employee receives some x-rays and is diagnosed as having strained his back and is given pain relief and told he cannot work for 3 weeks. The site manager does not charge the employee for the painkillers from the first aid kit, or the transport to the hospital. The UoC pays the full hospital bill and continues paying the employee’s salary for the 3 weeks that he is off work.
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If this incident took place in Country A, where there is a social security and healthcare system, the site manager does not charge the employee for the painkillers from the first aid kit, or the transport to the hospital. The UoC does not have to pay any hospital bill because the national health system pays for that. The UoC does not have to pay any of the employee’s salary for the 3 weeks that he is off work because that is covered by the national social security system.
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If this incident took place in Country B, where there is no social security and healthcare system, the UoC pays all of the costs, as outlined above.
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Evidence of Implementation
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information about what is provided by the national government
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documentation showing how the site will cover or pay for any costs that are not covered by the national government, for example, insurance documents.
Auditors Should Confirm
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the UoC has the right plans in place for paying costs of workplace injuries;
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management understands their role and responsibility in covering these costs;
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employees understand what happens financially if they have a workplace injury.
