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REPUBLIC OF THE PHILIPPINES 
HOUSE OF REPRESENTATIVES 
Quezon City 
EIGHTEENTH CONGRESS 
Second Regular Session 
House Bill No.  __________ 
Introduced by MAGDALO Party-List Representative 
HON. MANUEL DG. CABOCHAN III 
EXPLANATORY NOTE 
According to the Philippine Statistics Authority, there are over 2 million construction 
workers employed in the Philippines1. This highlights the vastness of the 
construction industry and its importance in the Philippine economy. While 
construction workers form a huge part of the labor sector, they are also one of the 
most exposed to occupational injuries.  
The hazardous environment in construction sites, which is sometimes exacerbated 
by the absence of protective equipment, lack of workers’ skills, and negligence of the 
employer, can result in physical injuries, disability, and death. During such instances, 
workers or their families are merely compensated a small amount that is not even 
commensurate to the loss of livelihood and chance to live fully.  
This bill requires employers to provide group personal accident insurance coverage 
for construction workers. The insurance coverage shall be used to compensate the 
construction worker or his family for a just and reasonable amount in case of a 
1 Philippine Statistics Authority – National Statistics Coordination Board. (October 2011). Statistics: Labor and 
Employment. Retrieved from http://www.nscb.gov.ph/secstat/d_labor.asp 
May 24, 2021
5:20 pm
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work-related accident or death. The premiums shall be covered by the employer and 
shall not be deducted from the salaries of the construction workers.  
In view of the foregoing, the immediate passage of this bill is earnestly sought. 
MANUEL DG. CABOCHAN III 
Representative 
Magdalo Para Sa Pilipino Party-List 


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REPUBLIC OF THE PHILIPPINES 
HOUSE OF REPRESENTATIVES 
Quezon City 
EIGHTEENTH CONGRESS 
Second Regular Session 
House Bill No.  __________ 
Introduced by MAGDALO Party-List Representative 
HON. MANUEL DG. CABOCHAN III 
AN ACT 
MANDATING AN ACCIDENT AND LIFE INSURANCE COVERAGE FOR 
CONSTRUCTION WORKERS 
Be it enacted by the Senate and the House of Representatives of the Philippine in 
Congress assembled: 
SECTION 1. Short Title.– This Act shall be known as the “Construction 
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Workers Insurance Act.” 
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Sec. 2. Declaration of Policy.– It is hereby declared the policy of the State to 
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ensure the safety and promote the welfare of construction workers because of the 
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hazardous and dangerous work environment. To this end, it is the intent of this Act 
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to require employers of construction workers to provide for mandatory group 
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personal accident insurance coverage to guarantee the quick and efficient delivery of 
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indemnity to injured workers at a reasonable cost to the employers.  
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Sec. 3. Definition of Terms.– The following terms, for the purposes of this Act, 
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shall be defined as follows: 
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(a) Construction covers the following: 
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(i) 
Building, including excavation and the construction, structural 
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alteration, renovation, repair, maintenance (including cleaning 
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and painting) and demolition of all types of buildings or 
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structures; and  
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(ii) 
The erection and dismantling of prefabricated buildings and 
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structures, as well as manufacturing of prefabricated elements 
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on the construction site. 
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(b) Construction worker refers to a person engaged in construction that is 
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exposed to a considerable risk, danger or hazard while in line of work;  
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(c) Employer refers to a contractor or a subcontractor that employs at 
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least ten (10) construction workers to perform a service for hire and 
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includes a corporation, partnership, limited liability company, 
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association, group of persons, state, city, municipality, school district, 
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or any government subdivision; 
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(d) Construction site refers to any place or location where a building or a 
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structure is being constructed; 
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(e) Insurance refers to a contract wherein one party undertakes to 
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compensate the other for an injury relating to a particular subject as a 
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result of the occurrence of designated hazards; 
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(f) Group Personal Accident Insurance refers to a type of insurance 
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coverage offered to a group of people, which provides benefit to the 
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individual or beneficiaries if the covered individual is permanently 
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disabled or dies during the defined insurance covered period resulting 
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from accidental death, disability, and injuries; 
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(g) Insurance company is a corporation, duly accredited by the Insurance 
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Commission that provides for insurance coverage of the construction 
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worker upon payment by the employer of the required insurance 
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premium.  
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Sec. 4. Mandatory Insurance Coverage.– All construction workers employed in 
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a construction project or site shall be provided a group personal accident insurance 
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coverage by the employer. The duration of the insurance shall start from the 
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commencement of the service of the construction worker until the completion of the 
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construction project or upon the termination of the employment contract.  
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Nothing in this Act shall be construed to diminish or reduce any benefit and 
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other privileges which the worker may be entitled under existing laws, decrees, 
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executive orders, company policy or practice or any agreement or contract between 
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the employer and employees. 
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Sec. 5. Cost of Insurance.– The premiums to be paid to the insurance 
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company shall be completely paid for by the employer and shall not be deducted 
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from the wages of the construction workers. 
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Sec. 6. Minimum Insurance Coverage.– The group personal accident 
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insurance shall provide for financial assistance including, but not limited to, the 
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following: 
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(a) For natural death, the amount of Seventy-Five Thousand Pesos 
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(P75,000.00); 
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(b) For accidental death, the amount of One Hundred Thousand Pesos 
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(P100,000.00); 
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(c) For death in the line of work, the amount of One Hundred Fifty Thousand 
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Pesos (P150,000.00); 
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(d) For loss of both hands, the amount of Fifty Thousand Pesos (P50,000.00); 
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(e) For loss of both feet, the amount of Fifty Thousand Pesos (P50,000.00); 
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(f) For loss of sight of both eyes, the amount of the amount of Fifty Thousand 
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Pesos (P50,000.00); 
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(g) For loss of one hand and one foot, the amount of Fifty Thousand Pesos 
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(P50,000.00); 
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(h) For loss of one hand and sight of one eye, the amount of Fifty Thousand 
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Pesos (P50,000.00); 
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(i) For loss of one foot and sight of one eye, the amount of Fifty Thousand 
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Pesos (P50,000.00); 
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(j) For loss of one hand or one foot, the amount of Twenty-Five Thousand 
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Pesos (P25,000.00); and  
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(k) For loss of sight of one eye, the amount of Twenty-Five Thousand Pesos 
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(P25,000.00) 
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Sec. 7. Health Insurance.– In addition to the compensation that shall accrue 
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to the worker in the preceding section, every construction worker shall likewise be 
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entitled to receive fair and prompt medical benefits in cases where the illness is 
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directly attributable to or was developed in the course of employment. This is meant 
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to cover loss of wages due to workplace exposure.  
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Sec. 8. Limitations.– No compensation shall be given to the construction 
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worker or his dependents when the injury, illness, disability or death was due to any 
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of the following: 
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(a) His intoxication; 
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(b) His willful intention to injure or kill himself or another; or  
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(c) His gross negligence. 
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Sec. 9. Penalties.– Any person, partnership or corporation who violates any 
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provision of this Act shall, upon conviction, suffer the following penalties: 
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(a) For the first violation, a fine of not less than Two Hundred Thousand 
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Pesos (P200,000.00) but not more than Five Hundred Thousand Pesos 
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(P500,000.00); and  
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(b) For any subsequent violation, a fine of not less than Four Hundred 
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Thousand Pesos (P400,000.00) but not more than One Million Pesos 
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(P1,000,000.00).  
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If the offender is a corporation, organization or any similar entity, the officials 
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thereof directly involved in the violation shall be liable. 
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If the offender is an alien or foreigner, he shall be deported immediately upon 
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service of sentence without proceedings.  
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Upon filing of the appropriate complaint or information, the Secretary of 
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Labor and Employment shall request the appropriate local government unit to cancel 
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or revoke the business permit, permit to operate and other similar privileges granted 
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to any business entity or person that fails to abide by or violates the provisions of 
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this Act.  
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Sec. 10. Implementing Rules and Regulations.– Within ninety (90) days from 
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the effectivity of this Act, the Secretary of Labor and Employment shall promulgate 
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the implementing rules and regulations as may be necessary to ensure the efficient 
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and effective implementation of this Act.   
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Sec. 11. Separability Clause.– Should any part of this Act be declared 
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unconstitutional, the rest of the provisions of this Act shall continue to be in effect 
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and subsisting.  
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Sec. 12. Repealing Clause.– The provisions of other laws, decrees, executive 
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orders, rules and regulations inconsistent with this Act are hereby repealed, 
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amended, or modified accordingly.  
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Sec. 13. Effectivity. – This Act shall take effect fifteen (15) days after its 
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publication in the Official Gazette or in at least two (2) national newspapers of 
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general circulation.  
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Approved,