Public Liability Insurance

This policy provides protection to any Directors and Officers or employee of a company against legal liability for any wrongful act done in the insured capacity as Directors, Officers etc. The policy also provides for reimbursement to the company when its Directors, Officers etc. insured) has been indemnified by the company for their legal liability.

This Policy offers Protection against third party liabilities arising from various business operations, such as business premises, products and completed operations and/or advertising and personal injury.

Coverage A : Bodily injury and Property Damage

Coverage B : Personal and Advertising injury

Coverage C : Medical Expenses

This Policy is designed to offer protection cover for Legal liability arising out of accidents due to any defects in the products sold or supplied by the Organization. Legal costs, fees and expenses incurred can be covered under this policy.

This policy offers coverage against Legal liability in respect of injury and/or damage arising out of accidents in connection with the business of Organization / the Insured. Injury shall mean death, bodily injury, illness or disease to any person and damage shall mean actual and/or physical damage to tangible property. Legal costs, fees and expenses incurred can be covered under this policy.

This policy covers statutory liability of an employer for the death, bodily injury or occupational diseases sustained by the workmen during the course of employment. Any employer whether as a Principal or contractor engaging "workmen" as defined in WC Act to cover his liability to them under statute and at common law. Employer can cover Employees who do not qualify as "Workmen" under separate table.

The Coverage under this Policy is to pay all sums which the Organization / individual who is legally liable to pay their employees in respect of personal injury by accident or diseases 'arising out of and in the course of the employment'. Insured's liability arising either under common law or the laws set out in the schedule Workmen's Compensation Act 1923. Costs or expenses incurred by the organization / individual, to defend any claims , can also be paid in addition. Premium rating is governed tariff. It depends on the nature of work carried on by the insured.

Table-A: Indemnity against legal liability for accident to employees under
  • Workmen's Compensation Act 1993.
  • Fatal Accident Act 1855.
  • Common Law
Table-B: Indemnity against legal liability
  • Fatal Accident Act 1855.
  • Common Law Table A policies may be extended to cover insured's liability for contractor's workmen.

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