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Group of electrical workers fixing the wire by climbing on the pole


Scope of Cover

This policy broadly covers:

    Legal liability for offices, schools, housing societies, hotels, restaurants and other such non industrial occupancies, towards damages to third party with respect to
  • Accidental death
  • Bodily injury or disease
  • Loss or damage to property

UIN: IRDAN115P0006200102

Product Code: 4008

More Details

Sum insured

    Depending on exposure, the proposer has to fix two limits of indemnity under the policy:
  • 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.


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

Significant exclusions

    This policy does not cover liability arising out of or in connection with:
  • Pollution
  • Any product
  • Any professional services deficiency
  • Personal injuries such as libel, slander, fines, penalties
  • Punitive or exemplary damages
  • Fines
  • Transportation of materials


    Policy is subject to compulsory excess of 0.25% of AOA limit, subject to a:
  • Maximum of `1,00,000
  • Minimum of `1000

  • Higher excess opted on a voluntary basis qualifies for discount in premium.

Main extension

    These include:
  • Goods kept in custody of insured extension
  • Food and beverages extension
  • Industrial seepage, pollution and contamination extension
  • Sports facilities, swimming pool and other facilities extension
  • Transportation extension
  • Act of God
  • Perils extension