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Liability Insurance

Public Liability Insurance (Industrial Risks) Policy

Scope of cover

Legal liability of the Insured towards damages to third party with respect to:

  • Accidental death
  • Bodily injury or disease
  • Loss or damage to property.
  • Legal costs and expenses incurred with the prior consent of the Insurer and within the limit of indemnity.

More Details

Sum insured

    Depending on exposure, the proposer has to fix two limits of indemnity as under (for both premises and transportation):

  • Any One Accident (AOA)
  • Any One Year (AOY)

  • AOA and AOY can be in ratio of 1:1, 1:2, 1:3 or 1:4. It is not permissible to issue the policy with unlimited liability.

Significant exclusions

    This policy does not cover liability arising out of or in connection with:
  • Pollution
  • Any product
  • Personal injuries such as:
    • Libel
    • Slander
    • Fines
    • Penalties punitive or exemplary damages
  • Transportation of materials.


    Premium depends on:
  • Risk group
  • Limits of indemnity selected
  • Ratio of limits
  • Number of locations
  • Annual turnover


Policy is subject to a compulsory excess of 0.5% of AOA limit, subject to a maximum of `3,00,000 and minimum of `2000. Higher excess opted on a voluntary basis qualifies for a discount in the premium level.

Main extension

  • Industrial seepage, pollution and contamination extension
  • Carriage of effluents (outside the premises) extension
  • Transportation extension
  • Technical collaborators extension
  • Act of god
  • Perils extension