Public Liability Non Industrial Insurance 

Public Liability Non - Industrial Insurance

  •  About Policy 
  •    Exclusion 
  •    Sum Insured 
  •    Add on Covers 

About Policy

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 the legal costs and expenses incurred with your prior consent and within the limit of the indemnity.


Premium chargeable depends on the risk group, limits of indemnity selected, ratio of indemnity limits, number of locations and annual turnover.


Policy is subject to compulsory excess of 0.25 % of AOA limit subject to a maximum of Rs. 1,00,000/- and minimum of Rs. 1000/-. Higher excess opted on voluntary basis qualifies for discount in premium.

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The Liability policy does not cover liability arising out of / or in connection with pollution, any product, personal injuries such as libel, slander, fines, penalties and punitive or exemplary damages and transportation of materials.


Sum Insured

Depending on exposure, the proposer has to fix two limits of indemnity under the policy:

  • Any One Accident (AOA)
  • Any One Year (AOY)

AOA and AOY can be in the ratio of 1:1, 1:2, 1:3 or 1:4.

It is not permissible to issue insurance policy with unlimited liability.


Add on Covers


  • Goods kept in custody of insured extension
  • Food and beverages extension
  • Sports facilities, swimming pool and other facilities extension
  • Industrial seepage, pollution and contamination extension
  • Act of god perils extension
  • Transportation extension

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Customer Support: 1800 266 3202

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