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The Liability Cover Your Non-Industrial Business ought to have

Public Liability Non Industrial Insurance Policy

Every business entitles some kind of risks that are sudden and uncontrollable. Risks are what plague people everywhere and they can occur in places apart from factory and industrial settings. Therefore, Liberty General Insurance offers the Public Liability Non-Industrial Insurance Policy to help you tackle the risks involved in the Non-Industrial sector with ease.

Features & Benefits

  • Requirements

    If you own a hotel, cinema, restaurant or any non-industrial office, there could be instances where the people visiting your premises get hurt or face a disastrous mishap. While, you are the owner of the property, you’ll be the one liable for the damage and injuries or even death caused to the people present at your premises at the time of the fortuitous occurrence. You have to be prepared for such incidences as they happen are likely to happen at the most unexpected times and most unanticipated places. Our Public Liability Insurance (Non-Industrial Risk) Policy will however protect you from financial worries in such situations.

  • Benefits

    In case an accident befalls causing damage or injury to a third party on your premises, the policy will ensure that they are duly compensated and your legal liabilities are taken care of. The policy will keep you prepared and financially secure.

  • Sum Insured

    This Public Liability Insurance (Non-Industrial Risk) Policy has defined limits, which are:

    1. Any One Accident (AOA): It defines the maximum amount payable for each accident under the policy.
    2. Any One Year (AOY): It describes the maximum payable amount for any one year under the policy. This value is expressed in a ratio with regard to the AOA such as 1:1 or 1:2 or 1:3 or 1:4.
  • Premium

    The amount of premium to be paid by the insured shall be calculated after considering factors like the limits of the indemnity, risk group classification of the property, gross annual turnover, plus the extensions you choose to put in force.

Coverage

Our Public Liability Non-Industrial Insurance Policy covers your legal liability for damages such as accidental death, bodily injury or damage to property, experienced by a third party. It also protects against any legal costs incurred in such events, with prior consent. Following is a list of the broad exclusions and inclusions of the policy. However, the following is only a list of mains and for a complete exhaustive list you must read the policy wordings.

*Terms & Conditions apply.

Anyone who owns a non-industrial property like an office, restaurant, mall etc. can make use of this policy. To know more about the eligibility, inclusions and exclusions, please read the policy wordings.

Apart from what the policy’s initial coverage, the following can be added as an extended coverage if you pay an additional premium:

  • Liability of goods kept in your custody
  • Sudden and accidental pollution endorsement
  • Act of God extension
  • Transportation extension
  • Liability of food and beverages provided by you
  • Liability of your swimming pool
  • Liability of sports facilities provided by you
  • Other Facilities provided by you

The Public Liability Insurance (Non-Industrial Risk) Policy will not cover you in the following cases:

  • Deliberate, intentional or willful non-compliance of any statutory provision or functioning in disregard of your technical or administrative management
  • Liability as a result of all personal injuries such as slander, libel, wrongful eviction, false arrest, etc. and anguish, shock, or mental injury
  • Liabilities arising out of penalties, fines, punitive or exemplary damages resulting from the burgeoning of compensatory damages
  • Loss of a pure financial nature such as loss of goodwill, loss of market, etc.
  • Infringement of plans, patent, copyright, trade name, registered design or trademark
  • Ownership, possession or use by or on behalf of you, of any aircraft, watercraft or hovercraft
  • Liability directly or indirectly caused by War and allied perils and any act of terrorism
  • Liabilities directly or indirectly caused by ionizing radiations or contamination by radioactivity from any nuclear waste or nuclear fuel or its combustion or by the toxic, radioactive, explosively hazardous properties of any nuclear assembly or nuclear component
  • Liability arising from earthquakes, volcanic eruption, flood, tempest, storm, typhoon, hurricane, tornado, cyclone or other natural atmospheric disturbance, unless covered specifically under the Act of God.
  • Liabilities arising by the transportation of dangerous materials or hazardous substances outside of the insured’s premises, unless specifically covered by the policy extension.
  • Injury caused to any person, under a contract of employment or traineeship, because of the execution of such a contract.
  • Contractual liability
  • Claims arising out of or in connection with pollution, howsoever caused and any product, unless specifically covered.

Frequently Asked Questions

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1. Public Liability (Non - Industrial)

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Public Liability ((Non - Industrial) Insurance offers cover for third party liabilities (Bodily Injury / Property Damage) arising out of the premises and operations of the Insured and legal costs incurred in connection therewith.

2. Who is required to take Public Liability (Non - Industrial) insurance policy?

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Public Liability Non - Industrial Risks is for Non - Manufacturing entities like IT companies, BPOs, Hotels, Schools, Restaurants and Clubs

3. What are key exclusions under Public Liability (Non - Industrial) insurance?

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o War
o Deliberate, willful or intentional non-compliance of any statutory provision.

o Ionizing radiations

o Arising out of fines, penalties, punitive and/or exemplary damages

4. What is the duration for the Public Liability (Non - Industrial) insurance policy?

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The duration of a Public Liability (Non - Industrial) insurance policy depends upon the type of policy, however mostly the duration of such policies is 12 Months.

5. Should small business such as restaurants take Public Liability (Non - Industrial) Insurance policy?

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Yes, Public Liability Non - Industrial Risks - For Non - Manufacturing entities like IT companies, BPOs, Hotels, Schools, Restaurants and Clubs

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How is the premium amount of Public Liability (Non - Industrial) insurance determined?

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The premium amount of the (Non - Industrial) insurance is determined by a number of factors, namely –
o Limit of indemnity

o Past claim settlement

o Overall risk assessment

o Annual turnover of the enterprise

How do I record any changes in the policy?

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What is third party liability insurance? Is it covered in this policy?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

What is third party liability insurance? Is it covered in this policy?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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