Public Liability

Security against
arising public liability

Providing coverage for matters of litigation

About the Policy

The policy provides coverage to commercial organizations against legal liability arising as a result of bodily harm, death, physical damage to third party property along with legal expenses. Other features such as retroactive dating and multiple insured locations are also included to provide optimum coverage from legal liabilities.

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, 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 the first inception of the policy, also become payable.

Refer to the policy wordings for further details.


  • Your policy does not pay for liability losses: injury to the 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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