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Liability Insurance

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    In terms of the Public Liability Insurance Act, 1991, all "owners" "handling" "hazardous substances" are compulsorily required to take an insurance policy to the extent laid down in the Act.

    The Public Liability Policy broadly covers your legal liability towards damages to Third Party in respect of accidental death or bodily injury or disease and loss or damage to property arising out of such accidents. It also covers legal costs and expenses incurred with your prior consent and within the limit of the indemnity.

    Public Liablility Insurance Policy provides cover against your legal liability to pay compensation including claimant's costs, fees and expenses anywhere in India, in accordance with the Indian Law.

    Product Liability Policy covers all sums for which you might become legally liable to pay as damages in consequence of accidental death/bodily injury or disease to third parties and/or loss of or damage to third party property arising out of any defects in the products manufactured and covered under the policy after such products have left your premises. It shall not be permissible to issue Product Liability Policies with unlimited liability.

    The role of professionals is increasing with globalisation of trade and industry in India. There is enhanced requirement of professionalism and due diligence from professionals pertaining to various fields. But sometimes services rendered can become a cause for financial hardship rather than earnings. Here's where the role of our Errors and Omissions Policy comes in. This policy takes care of your liabilities which may arise due to negligence while executing your professional responsibilities.

    The Directors and Officers Liability Policy covers the legal liability including the costs to defend any civil and / or criminal action against the Directors and / or Officers holding a responsible position in an organisation for any wrongful act, error or omission committed by them in course of their discharge of duties, in running the operations of the company and any other acts for and /or on behalf of the company.

    MHDI's Clinical Trial Liability Policy provides protection against legal liabilities arising out of clinical trial. The policy not only provides coverage against suits and damages awarded by courts but also covers the defence costs incurred by them while contesting such claims of liability damages.

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