This policy covers the amount which the insured becomes legally liable to pay as damages to third parties as a result of accidental death, bodily injury, loss or damage to the property belonging to a third party. The legal cost and expenses incurred in defending the case with prior consent of the insurance company are also payable subject to certain terms and conditions.

The policy offers a benefit of Retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier period after first inception of the policy, also become payable

Three types of Public Liability Policies are available.

1. Public Liability Non Industrial Risk - For offices, hotels, cinema houses, hospitals, schools etc.

2. Public Liability Industrial Risk - For godowns , warehouses and factories.

3.  Public Liability Insurance Act 1991 - This is a mandatory policy to be taken by owners ,users or transporters of hazardous substance as defined under Environment (Protection) Act 1986 in excess of the minimum quantity specified under the Public Liability Insurance Act 1991.

This policy covers all costs (including legal fee and defence costs) which the insured becomes legally liable to pay as damages as a consequence of:

1. accidental death/ bodily injury or disease to any third party.
2. accidental damage to property belonging to a third party.

arising out of any defect in the product manufactured by the insured and specifically mentioned in the policy after such product has left the insured's premises.

The policy offers the benefit of retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier period after first inception of policy, also become payable.

The policy covers the financial costs (including legal fee and expenses incurred with the prior consent of the insurance company) which the insured professional becomes legally liable to pay as damages to third party in respect of any error and/or omission on his/her part committed whilst rendering professional service. Following professionals can be covered under the policy -

1. Doctors and medical practitioners
2. Medical establishments such as hospitals and nursing homes
3. Engineers, architects and interior decorators
4. Lawyers, advocates, solicitors and counsels
5. Chartered accountants, financial accountants, management consultants

The policy offers a benefit of Retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier period after first inception of the policy, also become payable.

Group policies can also be issued covering members of one profession. Group discount in premium is available depending upon the number of members covered under the policy.

If you require a quotation or more information, please feel free to use one of the following contact methods: