This cover is required if drivers are hired or employed to drive your car. There is a legal liability for the owner a car to protect such paid drivers during their working hours under the workmen compensation act/fatal accidents act/common law.
This is not an automatic cover in comprehensive car insurance policies. It is an optional cover for which, you have to pay additional few hundred rupees if you are likely to use paid drivers.
Even if you prefer self driving, you will not know when you will be necessitated to hire a driver. So, it always makes sense to add this cover to your car insurance policy.