Arun Kumar Goel(Retd.), President-Appellant filed a complaint under Section 12 of the Consumer Protection Act, 1986, against the respondents before the District Forum, Una. By order dated 31.3.2003 in Consumer Complaint No. 111/2001 the same was dismissed. Admitted facts of this case are that appellant is a Government Contractor who had employed/contracted number of persons in connection with his business of constructing buildings etc. such as masons, barbender, carpenter, supervisors, labourers who had been deployed at various work places. He got these persons insured with respondent No.1 under Group Insurance Scheme/Group Personal Accident Scheme for the period 23.9.1999 to 229.2000. He paid premium of Rs. 5,292/- On 9.2.2000 at about 3.00 P.M. when construction/plaster work at S.V.S.D. College, Bhatoli was in progress, the scarf-holding suddenly broke down and 4 employees/labourers fell down and sustained grievous injuries. All of them were covered under the Insurance cover(supra). They were taken to the nearest B.B.M.B. Hospital at Nangal. On way one of them Chhotu Ram died whereas others were admitted and remained under treatment at B.B.M.B, Hospital and District Hospital