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Public Liability Insurance protects insured against the legal liability to pay compensation for bodily injury or property damage suffered by third party .
Key Feature
Public Liability Insurance protects insured against the legal liability to pay compensation for bodily injury or property damage suffered by third party and arising out of accidents occurring in the Insured premises and resulting from Insured's normal business operations.
This cover is applicable for you if you are owner of or managing/ operating/ handling/ involved in
Manufacturing & processing facilities
Godowns, warehouses or other storage facility
Construction activities
Maintenance and other industrial activities
Hotels, Motels, Club houses, restaurant, boarding & lodging house & guest house
Cinema Halls, auditorium, theaters, Open air theatres, Public Halls, Malls & Multiplexes
Office, residential, administration premises
Medical establishment, research institution, laboratories and airport premises excluding aviation
Schools, Education institutions and public libraries
Exhibition & fairs, fetes, stadiums and pandals, amusement parks
Any other industrial or non industrial activities.
This cover is applicable to both industrial or non- industrial risks
The Policy can be extended to cover certain add on covers at additional premium.
Coverage
The policy provides cover against
Legal liability to pay compensation to the third party in respect of bodily injury and/or property damage, suffered by them, arising out of the accidents occurring in your premises.
It also covers the legal cost and expenses incurred in defence within the limit of indemnity
Add On Covers
Act of God perils extension
Transportation liability extension
Sudden and accidental pollution extension
Food & beverages liability extension
Lift, elevator or escalator liability extension
Coverage for other facilities like swimming pool, health club etc.
Exclusion
Fines, penalties, punitive and /or exemplary damages
Deliberate, willful non-compliance of any statutory requirements
Bodily injury/property damage to persons under contract of employment
Pure Contractual liability
Loss of pure financial nature like loss of goodwill, loss of market share etc.
Damage to property owned and/or occupied by the insure or property under care, control and custody of the Insured
Professional liability
Dishonest/criminal acts of employees
War, Strike, riot, civil commotion and/or terrorism
Nuclear radiations
Others as specified in the policy wording
