Public Liability Non-Industrial Insurance | IFFCO Tokio General Insurance Company in India
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    Policies issued shall cover all sums which the Insured becomes legally liable to pay as damages to third party on 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

    Covered business activities
    • Offices
    • Residential premises
    • Medical Establishments
    • Cinema Halls
    • Exhibitions & Fairs
    • Shops, Malls, Warehouses and Godowns
    • Restaurants, Hotels and Motels
    • Open Auditoriums, Stadiums etc.
    Excluded Business Categories
    • Same as for Public Liability – Industrial and Storage as above
    • Sports Clubs & Training facilities for athletes
    • Small/medium sized Snack stores/outlets seeking cover for F&B purposes only
    • Theme parks, Water parks and Game set-ups including swings etc.
    Coverage Exclusions
    • Same as for Public Liability – Industrial and Storage as above
    • Aqua / Hazardous sports
    General Instructions
    • Multiple claims from once cause will be treated as one.
    • Compulsory excess exists.
    • Pollution risks can be covered at nominal additional premium.
    • Multiple units along with the main premises can be covered at nominal additional premium.
    • The coverage is available for supply of Food& beverages, valuables under our custody, care and control, transportation, extra facility such as health club, aqua sports facilities, beauty parlours and hazardous sports.
    • Charging additional premium we can cover convulsions of nature.
    • For losses sustained exceeding agreed number of years in the past (retroactive period), coverage in those past years would only exist if we had been your insurers, without break in cover.
    • For injury damage, which does not immediately show up, from the date of discovery of loss the retroactive period starts.
    • Please inform us immediately about loss so that we may try to proceed for out of court settlement.
    Documents required

    Proposal form

    Capacity

    It shall not be permissible to issue any Public Liability Insurance Policy with unlimited liability. The ratio of limit of indemnity any one accident to any one year shall not exceed 1:4. The maximum LOI we can offer is INR 35 Crores

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