Business Insurance

Public Liability Insurance

Cover for legal liability arising from bodily injury to third parties or damage to their property, occurring in the course of your business operations. Includes legal defence costs and, where required, products liability for goods manufactured or supplied by your business.

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Coverage at a Glance

Third-Party Bodily Injury

Legal liability for injuries to members of the public

Property Damage Liability

Liability for damage caused to third-party property

Legal Defence Costs

Solicitor fees and court costs, in addition to the indemnity limit

Products Liability Extension

Optional cover for injury or damage caused by your products

Bodily Injury & Property Damage

Legal Defence Included

Products Liability Extension

IRDAI Compliant

Coverage

What Your Policy Covers

A structured placement designed to close every material gap in your risk exposure, not a standard policy sold off the shelf.

Third-Party Bodily Injury

Covers legal liability for death or bodily injury caused to members of the public, customers, visitors, passers-by, arising from your business operations at or from your premises.

Third-Party Property Damage

Covers legal liability for damage caused to property belonging to third parties as a direct result of your business activities, including accidental damage to landlord's property.

Legal Defence Costs

Covers solicitor fees, court costs, expert witness expenses and related legal charges incurred in defending third-party claims, in addition to the limit of indemnity, not within it.

Products Liability

An optional extension covering legal liability for bodily injury or property damage caused by products manufactured, sold or supplied by your business after they have left your premises or control.

Contractors Liability

Cover for liability arising from operations conducted by contractors working on your behalf, on your premises or at third-party locations where your contractors are engaged.

Sudden Pollution Liability

An optional extension covering legal liability arising from a sudden, accidental and unforeseen pollution event, applicable to manufacturing, chemical processing and industrial operations.

Liability Risk Specialists

Our Approach

An Adequate Limit Matters as Much as Having Cover at All

Most businesses carry public liability insurance that is under-limited by their industry standards, which creates the illusion of protection without delivering it. A slip-and-fall claim resulting in permanent disability can exceed ₹2-3 crore before legal costs are added.

We benchmark your indemnity limit against sector norms, contract requirements and potential maximum loss scenarios, not against what is cheapest to insure.

We review your lease agreements, client contracts and event permits to identify specific indemnity obligations that need to be reflected in the policy wording.

We co-ordinate public and products liability placements to ensure the boundary between the two is clean, gaps between these covers are a common source of uninsured losses.

Who Needs This

Businesses That Carry This Risk

If your operations create the exposures described below, this cover belongs in your insurance programme.

Retail & Hospitality

Shops, restaurants, hotels and entertainment venues with high public footfall carry the most frequent exposure to slip-and-fall and premises liability claims.

Contractors & Builders

Construction firms working on client premises require public liability to satisfy principal contractor obligations and project-specific insurance requirements.

Manufacturers

Manufacturers require products liability cover for injury or property damage caused by their products after they have left the factory, separate from premises liability.

Event Organisers

Concerts, exhibitions, sports events and corporate functions generate third-party liability exposure that requires event-specific public liability placement.

Healthcare & Wellness

Medical clinics, physiotherapy centres, gyms and wellness facilities carry liability for physical injury to patients and members on their premises.

IT & Professional Services

Service businesses working at client locations need public liability to satisfy indemnity clauses in client contracts and to protect against accidental damage on site.

How We Work

From Brief to Bound Cover

Three steps from your first conversation to a policy that is correctly structured and competitively priced.

Risk Assessment

We document your business operations, premises footfall, products range, contractor relationships and contract obligations to prepare an accurate liability risk submission.

Policy Placement

We approach general insurers for public liability terms, benchmarking limits, coverage extensions, products, contractors, pollution, and premium across the market.

Claims Co-ordination

On a reported liability incident, we notify the insurer, co-ordinate loss adjuster appointment and support you through the legal process to final settlement or dismissal.

Key Benefits

Why Clients Place This Cover Through Us

Adequate Limits

We benchmark your indemnity limit against sector norms, contract requirements and realistic claim scenarios. The most common failure in liability insurance is an inadequate limit of indemnity.

Contract Indemnity Review

We review your lease, client and supplier contracts to identify the indemnity obligations you have accepted and ensure the policy responds to each of them specifically.

Products & Premises Co-ordination

We place public and products liability covers consistently, with the same insurer where possible, eliminating boundary disputes between the two at claims time.

First-Response Claims Support

Liability claims begin with an incident. We provide immediate first-response guidance, insurer notification and loss adjuster co-ordination from the moment you report an event.

FAQ

Common Questions

Under the Public Liability Insurance Act, 1991, insurance is mandatory for businesses handling hazardous substances above prescribed threshold quantities. For other businesses, it is not legally mandatory but is routinely required by client contracts, lease agreements, venue licences and public-sector tenders.

Public liability covers third parties, customers, visitors, passers-by. Employers' liability (workmen's compensation) covers your own employees. These are distinct risks, covered by distinct policies. Neither substitutes for the other.

The right limit depends on your industry, contract requirements and worst-case claim scenario. For retail and hospitality, ₹1-5 crore is a typical starting point. For manufacturers and infrastructure contractors, ₹25 crore or above is often required by principal clients. We assess the appropriate limit specifically for your risk profile.

Under most Indian public liability policies, legal defence costs are covered in addition to the limit of indemnity. This means the full indemnity limit is available for compensation to the claimant, and legal costs are met separately. Always verify this in the policy schedule.

This depends on whether the policy is written on a losses-occurring or claims-made basis. Claims-made policies cover claims made during the policy period regardless of when the work was done, subject to the retroactive date. Losses-occurring policies cover incidents during the policy period. We confirm the basis in writing before placement.