Public Liability Industrial and non Industrial Insurance Policy

Industrial or non-industrial companies face the risk of becoming legally responsible to pay damages to third parties as a result of accidental death or bodily injury to the third parties or loss or damage to a property belonging to a third party. Not all businesses are industrial but unluckily the risks are everywhere and do not only occur only when one is near a factory but also are present in the non-industrial sector. According to the Public Liability Act, 1991, the Non-Industrial Public Liability Insurance Policy and Public Liability Industrial Insurance steps in to protect you from industrial and non-industrial risk. Public Liability Industrial and Non-Industrial Risk Insurance policy provides cover for third party liabilities (bodily injury/property damage) arising out the manufacturing/industrial/non-industrial premises occupied by the insured you and legal costs incurred in connection therewith.


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


  • Any willful non-compliance of statutory provisions.
  • Fines, penalties, punitive and/or exemplary damages.
  • War and nuclear group of perils.
  • Injuries and damages to employees and workmen.
  • For losses arising out of pure financial nature such as goodwill loss etc.
  • For losses resulting from personal injuries (such as libel, defamation etc.) and infringement of plans.

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