Hundreds of industries in Coimbatore and Tirupur districts are operated by the unit owners with just one or two helpers. They take up job orders for bigger industries.

The owners are seeking special insurance package that will give them the financial resources to meet the treatment cost in the case of an accident at the unit.

Even those coming from other States are cautioned on the risks in some operations. In the case of small or medium-scale units, many have induction programmes for the migrant workers.

However, if a worker meets with an accident at a micro unit, usually the owner spends his personal funds for treatment in a private hospital.

J. James, president of the Tamil Nadu Cottage and Tiny Enterprises’ Association, told The Hindu on Saturday that a member of the association D. Nandakumar passed away in June this year when he was working at his unit. The member had a life insurance policy that he had discontinued recently because of financial problems.

After this death, the family members are struggling as they do not have any financial support and have to manage the operations and repay the bank loan taken for the unit.

Units that have just one or two workers do not go in for ESI coverage. Further, most of the industries now employ workers from other States. These workers move from one unit to another.

The industries also operate based on the volume of orders. Thus, it is not feasible for them to go in for ESI scheme.