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Product Liability Insurance

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Product Liability Insurance Policy

Policies issued shall cover all sums which the Insured shall 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 defect in the products manufactured and covered under the Policy.

Policies issued shall cover all sums which the Insured shall 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 defect in the products manufactured and covered under the Policy.

  • We can include technical collaborators liability, which will be covered at a nominal extra charge.
  • Loan and lease manufacturers can also be covered.
  • In case of a claim or series, we may pay up to indemnity limit and be free from any further liability.

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    • To pay for product recall (unless offered as extension)
    • To pay for repair of the product allegedly defective.
    • For products used in structure and controls of aircraft.
    • Deliberate willful non-compliance.
    • Pure financial loss such as loss of goodwill.
    • Arising out of fines, penalties other punitive damages.
    • War and nuclear group of perils.
    • Damage to property belonging to you or held in trust by you.
    • Losses arising prior to the retroactive date.
    • Arising out of deliberate disregard of insured's guidelines regarding use of product.
    • Injury to any person in contract or connected in employment with insured.
    • Contractual liability unless such would have existed without the specific contract.
    • Product guarantee.
    • Claims for failure of product fulfilling use intended (Product Efficacy).
    • Products having left insured's premises prior to the retroactive date.
    • Policies covering Exports to US/Canada only with LOI of more than INR 25 Crores

    • Any liability of railways & Aircrafts, watercraft or any product with intended use in security systems

    • Asbestos

    • Tobacco & EMF liabilities

    • Food Products (meat, processed food, etc.)

    • Manufacturing/formulation facilities in the US/Canada.

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