What does the policy cover?

Public liability insurance policy covers all sums which the Insured becomes legally liable to pay as damages to third party in respect of accidental death/bodily injury/disease and loss of or damage to property arising out of claims first made in writing against the Insured during the Policy period, including legal costs and expenses incurred with prior consent of Insurers, subject always to the limits of indemnity and other terms, conditions and exceptions of the policy.

What are some of the major exclusions?

  • Any willful non-compliance of statutory provision.
  • Fines, penalties, punitive and/or exemplary damages.
  • Arising under any other legislation.
  • Arising out of damage to property owned, leased or hired or under hire purchase or on loan to the Insured or otherwise in the Insured's control, care or custody.
  • War and nuclear group of perils.

Which business categories are excluded?


  • Any liability of railways & Aircrafts/Airside operations.
  • Any liability of Defense establishments.
  • Defective design except claim on account of defective design of premises.
  • Theme parks, Water parks and Game set-ups including swings etc.
  • Vessels including their navigation.
  • Manufacturing/formulation facilities in US/Canada.