Public Liability Industrial and non Industrial
Covers legal liabilities for public accidents in industrial and non-industrial areas.
Public Liability Industrial and Non-Industrial Insurance Policy protects businesses from third-party liability claims arising from accidents that cause bodily injury or property damage. Whether in an industrial or non-industrial setting, businesses are exposed to risks that can lead to legal and financial consequences. This policy offers coverage for both manufacturing and non-manufacturing entities, ensuring legal protection and financial security in the event of accidents.
Key Benefits
- Comprehensive Coverage protects against bodily injury and property damage claims.
- Legal Protection covers legal expenses incurred from liability claims.
- Industrial & Non-Industrial is suitable for both industrial and non-industrial businesses.
- Third-Party Protection safeguards businesses from claims made by third parties.
Health Cover Up
to ₹50 Lacs
What is Public Liability Industrial and non Industrial?
This policy provides coverage for third-party liabilities resulting from accidents occurring in both industrial and non-industrial business premises. It helps protect businesses from financial losses associated with bodily injury, property damage, and legal costs arising from such incidents.
Why do you need Public Liability Industrial and non Industrial?
Risk Mitigation
Reduces exposure to unforeseen third-party claims.
Legal Safety
Covers legal costs associated with claims, ensuring peace of mind.
Business Continuity
Safeguards operations by covering accident-related liabilities.
Reputation Protection
Maintains your brand image by managing third-party risks.
Why choose Insurance Manager to protect your business?
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Comprehensive Protection for Your Workforce
Ensure employee well-being with complete health insurance coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Cost-Effective Group Insurance Plans
Affordable plans with benefits like maternity, critical illness, and dependent coverage.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Peace of Mind for Employers and Employees
Reduce financial stress with cashless claims and reimbursement options.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
Boost Employee Productivity and Retention
Build loyalty and motivation by easing economic and mental burdens.
What does Public Liability Industrial and non Industrial cover and exclude?
Plan Coverage
Accidental Bodily Injury
Covers accidental death or bodily injury to third parties at your premises.
Property Damage
Protects against third-party property damage caused by your business activities.
Legal Defense Costs
Covers legal expenses for defending liability claims with prior approval.
Multiple Location Coverage
Insures multiple units at different locations under a single policy.
Retroactive Coverage
Provides retroactive coverage for claims reported during policy renewal.
Third-Party Protection
Safeguards against third-party claims arising from accidents at your business.
Accident Liability
Protects your business from accidents occurring on-site, even in non-industrial settings.
Business Continuity
Ensures business continuity by covering liabilities arising from unforeseen events.
- In-patient treatment 24 hours a day
- Pre-existing disease
- Pre and Post hospitalization
- Domiciliary hospitalization expenses
- Reimbursement of cost of health check-up
- All day care procedure
- Family floater to covers member’s immediate family such as a spouse, dependent children, dependent parents, etc.
- Maternity benefits
- Dental treatment
- Cost of spectacles, contact lenses
- Waiver of waiting period
- Waiver of first-year exclusions
- Reimbursement of ambulance costs
- Baby day one care
- Vaccination benefits
- Increased room rent limits
- Corporate buffer
- Out-patient treatment (OPD Card)
- Root canal surgery
- In-hospitalization expenses due to sickness or accidents
- Room and boarding expenses as provided by the hospital/nursing home.
- Nursing expenses.
- Surgeon, anesthetist, medical practitioner, consultants or specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic materials and X-Ray, dialysis or chemotherapy.
Major Exclusions
Willful Non-Compliance
Excludes coverage for damages resulting from willful non-compliance with statutory provisions.
Fines & Penalties
Does not cover fines, penalties, punitive/exemplary damages, or related costs.
War & Nuclear Risks
Excludes coverage for damages caused by war or nuclear-related incidents.
Employee Injuries
Does not cover injuries or damages to employees or workmen.
Financial Losses
Excludes losses arising from pure financial nature, such as goodwill loss.
Personal Injury Claims
Does not cover personal injury claims like libel, defamation, or infringement of plans.
Contractual Liabilities
Excludes claims arising from contractual obligations, agreements, or liabilities.
Intentional Acts
Does not cover intentional acts, fraud, or misconduct committed by the insured.
- Treatment of pre-existing illnesses.
- Any treatment for illnesses/diseases within the first 30 days of the policy, unless it is an accident.
- Treatment of specified illnesses for the first year of the policy.
- Certain diseases like hernia, cataract, piles, sinusitis, etc are excluded during the first year of operation in the cover.
- Any claim arising out of or traceable to pregnancy.
- Ayurvedic, homeopathy, naturopathy or any other form of local medication.
- Alcoholism, drug abuse, and AIDS.
- Dental treatment or surgery unless it requires hospitalization.
- Cost of spectacles.
- Vaccination and inoculation.
- Cosmetic treatment.
Your Journey to Insurance Manager
When can I Claim?
A claim under Public Liability Industrial and non Industrial can be registered in the below circumstances:
- Accidental Injury: If a third party is injured due to your business operations.
- Property Damage: When a third party’s property is damaged by your business activities.
- Legal Costs: For legal expenses incurred defending third-party liability claims.
Claim what’s yours with Insurance Manager
Have more questions?
Submission
Assessment
