Republic of the Philippines 
HOUSE OF REPRESENTATIVES 
Batasan Hills, Quezon City 
NINETEENTH CONGRESS 
Third Regular Session 
HOUSE BILL NO. 10573 
Introduced by  
HON. ATTY. GERVILLE “JINKY BITRICS” R. LUISTRO 
AN ACT MANDATING AN ACCIDENT AND LIFE INSURANCE COVERAGE FOR 
CONSTRUCTION WORKERS 
EXPLANATORY NOTE 
This bill seeks to mandate employers, particularly contractors in the construction 
sector, to provide mandatory group personal accident insurance coverage for their workers, 
ensuring prompt and efficient compensation delivery to injured workers at a reasonable cost 
to employers. 
A report from the International Labor Organization highlighted the inadequate 
safety and health protection for Filipino workers, with only 2.2 million employees in 
medium and large enterprises benefiting from effective occupational safety and health 
measures, leaving 38.8 million others without such protection (International Labour 
Organization, n.d.)1. 
The construction industry, classified as high-risk under Department Order No. 
198 series of 2018 by the Department of Labor and Employment, faces significant daily 
hazards. Despite these risks, a 2023 report from the Bureau of Working Conditions 
revealed that only 52 out of 95 construction projects inspected between August 1 to 15, 
2023, were compliant with occupational safety and health standards (Patinio, 2023)2. 
Republic Act No. 11058, enacted in 2018, further strengthens the country's 
commitment to occupational safety and health. This law emphasizes the importance of 
compliance with OSH standards and aims to prevent workplace accidents and illnesses.  
1 International Labour Organization, “Safety and health at work in the Philippines,” 
https://www.ilo.org/regions-and-countries/asia-and-pacific/philippines/areas-work/safety-and-health-work-
philippines 
2 Ferdinand Patinio, “52 of 95 inspected construction hubs violating safety rules,” Philippine News Agency, 
2023, https://www.pna.gov.ph/articles/1207975 
July 1, 2024
4:45 pm


Given the state's obligation to ensure full protection for the labor force, 
especially those in high-risk industries like construction, it's imperative for the 
government to enact laws safeguarding the health and well-being of construction 
workers. Ensuring a safe working environment at construction sites and preventing 
accidents resulting in death or injury to workers is crucial. 
In view of the foregoing, approval of the Bill is earnestly sought. 
HON. ATTY. GERVILLE “JINKY BITRICS” R. LUISTRO 


Republic of the Philippines 
HOUSE OF REPRESENTATIVES 
Batasan Hills, Quezon City 
NINETEENTH CONGRESS 
Third Regular Session 
HOUSE BILL NO. 10573 
Introduced by  
HON. ATTY. GERVILLE “JINKY BITRICS” R. LUISTRO 
AN ACT MANDATING AN ACCIDENT AND LIFE INSURANCE COVERAGE FOR 
CONSTRUCTION WORKERS 
Be it enacted by the Senate and House of Representatives of the Philippines in 
Congress assembled: 
SECTION 1. Short Title — This Act shall be known as the "Construction Workers 
Insurance Act". 
SEC. 2. Declaration of Policy — It is hereby declared the policy of the State to ensure the 
safety and promote the welfare of construction workers because of their hazardous and 
dangerous work environment. To this end, it is the intent of this Act to require employers, 
particularly contractors, of construction workers to provide for higher mandatory group 
personal accident insurance coverage and hold them liable for workplace accidents to 
guarantee the quick and efficient delivery of indemnity to injured workers at a reasonable 
cost to the employers. 
SEC. 3. Definition of Terms — The following terms, for the purposes of this Act, shall be 
defined as follows: 
a) The term Construction covers:
i)
Building, including excavation and the construction, structural alteration,
renovation, repair, maintenance (including cleaning and painting) and
demolition of all types of buildings or structures; and
ii)
The erection and dismantling of prefabricated buildings and structures, as well
as manufacturing of prefabricated elements on the construction site.
b) Construction Worker - refers to a person engaged in construction works who is
exposed to considerable risk, danger or hazard while in the line of work.
c) Contractor - refers to any entity, individual, or company contracted to undertake a
construction project or provide construction services for hire and includes
corporations, partnerships, limited liability companies, associations, groups of
persons, state, city, municipality, school district, or any government subdivision;
d) Construction site - refers to any place or location where a building or a structure is
being constructed;


 
e) Insurance - refers to a contract wherein one party undertakes to compensate the other 
for an injury relating to a particular subject as a result of the occurrence of designated 
hazards; 
f) Group Personal Accident Insurance - refers to a type of insurance coverage offered to 
a group of people, which provides benefit to the individual or beneficiaries if the 
covered individual is permanently disabled or dies during the defined insurance 
covered period resulting from accidental death, disability, and injuries; 
g) Insurance Company - a corporation, duly accredited by the Insurance Commission, 
that provides for the insurance coverage of the construction workers upon payment by 
the employer of the required insurance premium. 
 
SEC. 4. Mandatory Insurance Coverage — All construction workers employed in a 
construction project or site shall be provided a group personal accident insurance coverage by 
the employer, particularly contractors. The duration of the insurance shall start from the 
commencement of the service of the construction worker until the completion of the 
construction project or upon the termination of the employment contract. 
 
The insurance coverage mandated by this Act shall be higher and shall provide for 
financial assistance, including, but not limited to, the following: 
 
a) For natural death, the amount of One Hundred Fifty-Thousand Pesos (P150,000.00) 
b) For accidental death, the amount of Two Hundred Fifty Thousand Pesos 
(P250,000.00); 
c) For death in the line of work, the amount of Three Hundred Fifty Thousand Pesos 
(P350,000.00); 
d) For loss of both hands, the amount of One Hundred Twenty-Five Thousand Pesos 
(P125,000.00); 
e) For loss of both feet, the amount of One Hundred Twenty-Five Thousand Pesos 
(P125,000.00); 
f) For the loss of sight of both eyes, the amount of One Hundred Twenty-Five Thousand 
Pesos (P125,000.00); 
g) For the loss of one hand and one foot, the amount of One Hundred Twenty-Five 
Thousand Pesos (P125,000.00); 
h) For the loss of one hand and the sight of one eye, the amount of One Hundred 
Twenty-Five Thousand Pesos (P125,000.00); 
i) For the loss of one foot and sight of one eye, the amount of One Hundred Twenty-
Five Thousand Pesos (P125,000.00); 
j) For the loss of one hand or one foot, the amount of Seventy-five Thousand Pesos 
(P75,000.00); and 
k) For the loss of sight of one eye, the amount of Seventy-five Thousand Pesos 
(P75,000.00). 
 
Provided that the Secretary of Labor and Employment (SOLE) shall regularly adjust 
to inflation such amounts every five (5) years, based on data reported by the Philippine 
Statistics Authority. 
 
SEC. 5. Health Insurance — In addition to the compensation that shall accrue to the worker 
in the preceding section, every construction worker shall likewise be entitled to receive fair 
and prompt medical benefits in cases where the illness is directly attributable to or was 
developed in the course of employment. This is meant to cover loss of wages due to 
workplace exposure. 


 
 
SEC. 6. Contractor Liability for Workplace Accidents — Contractors shall be held strictly 
liable for workplace accidents involving their employed construction workers. In the event of 
an accident resulting in injury or death, the contractor shall be responsible for providing 
immediate assistance, including medical attention, and financial compensation to the affected 
worker or the worker's family. 
 
SEC. 7. Penalties — Any contractor who fails to comply with the mandatory insurance 
coverage and contractor liability provisions of this Act shall, upon conviction, suffer the 
following penalties: 
 
a) For the first violation, a fine of not less than Three Hundred Thousand Pesos 
(P300,000.00) but not more than Five Hundred Thousand Pesos (P500,000.00); and 
b) For any subsequent violation, a fine of not less than Five Hundred Thousand Pesos 
(P500,000.00) but not more than One Million Pesos (P1,000,000.00). 
 
If the offender is an alien or foreigner, he shall be deported immediately upon service 
of sentence without further proceedings. 
 
Upon filing of the appropriate complaint or information, the SOLE shall request the 
appropriate local government unit to cancel or revoke the business permit, permit to operate, 
and other similar privileges granted to any contractor that fails to abide by or violates the 
provisions of this Act. The contractor shall also be blacklisted and barred from engaging in 
any construction-related projects in the Philippines for a period of not less than five (5) years 
from the date of the conviction. 
 
SEC. 8. Implementing Rules and Regulations — Within ninety (90) days from the 
effectivity of this Act, the SOLE shall promulgate the implementing rules and regulations as 
may be necessary to ensure the sufficient and effective implementation of this Act. 
 
SEC. 9. Separability Clause — If any provision of this Act is declared invalid or 
unconstitutional, the provisions not affected thereby shall remain in full force and effect. 
 
SEC. 10. Repealing Clause — All laws, presidential decrees, executive orders, presidential 
proclamations, rules and regulations, or parts thereof contrary to or inconsistent with this Act 
are 
hereby 
repealed 
or 
modified 
accordingly. 
 
SEC. 10. Effectivity — This Act shall take effect fifteen (15) days after its publication in the 
Official Gazette or in a newspaper of general circulation in the Philippines. 
 
Approved,