Public Liability Act Policy

Coverage for handling
hazardous substances

Securing you from chemical accidents

About the Policy

The policy covers you for legal liability to indemnify the affected parties in respect of accidents involving a fortuitous, sudden or unintentional occurrence while handling any hazardous substance.

Important details


  • 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 and 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 specified in the policy.
  • One can insure more than one business unit situated in different locations under a single policy.
  • The policy offers a benefit of retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier periods after first inception of the policy, also become payable.


  • Our policy does not pay for liability losses: of injury to insured’s employees.
  • Arising out of property in insured’s custody or control.
  • Arising out of an insured's product.
  • Arising out of loss of use of tangible property.
  • Arising out of explosion or collapse of boilers, steam generators or other vessels under pressure.
  • Arising out of the ownership possession and use of aircraft, watercraft or hovercraft.
  • Assumed by the insured under any contract or agreement except to the extent that such liability would have been implied by law.
  • Caused by radioactivity, war and terrorism.
  • Arising out of professional errors or omissions.
  • In respect of fines and penalties.
  • Arising out asbestos.

Refer to the policy wordings for further details.

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