Third-party injury and property damage
Public Liability Insurance Quote
Public liability answers injury or property damage suffered by someone who is not your employee: a visitor, a delivery driver, a passer-by, a client whose premises you were working on. For some Indian units it is not optional.
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Before you ask
- Public liability covers third parties. Your own employees sit under workmen compensation and your own property under fire, so the three do not overlap.
- The Public Liability Insurance Act requires cover for anyone handling notified hazardous substances, and the quantity thresholds catch more small units than owners expect.
- It is not the same as product liability. Public liability stops at your premises and operations; harm caused by the goods themselves is a separate policy.
- Limits are set per accident and in the aggregate, and the difference between those two figures is where most under-buying happens.
What drives the premium
- Your trade and process, since a chemical unit and a design office are not comparable risks
- Whether the Public Liability Insurance Act applies, which changes the policy entirely
- Turnover, which is the usual rating base for the general policy
- Footfall and who comes onto your premises
- The per-accident and aggregate limits you choose
- Contractual requirements, because a landlord or a client may specify a limit
Indian general insurance was de-tariffed in 2007, so there is no tariff to quote from and any site publishing a rate is guessing. What we can do is read your risk against the market and come back with real terms.
What we need from you
- What your business does and what you handle on site
- Annual turnover
- Whether you store or process any notified hazardous substance, and roughly how much
- Any limit specified in your lease or client contracts
- Your existing schedule if this is a renewal
Send whatever you have on WhatsApp, even a photograph of the existing policy schedule. We will tell you what is missing rather than send you a form.
Frequently asked questions
Is public liability insurance compulsory in India?
For anyone handling notified hazardous substances above the threshold quantities, yes, under the Public Liability Insurance Act. For everyone else it is not compulsory by law, though leases, tenders and client contracts frequently require it.
Is public liability the same as professional indemnity?
No, and this is the most common confusion. Public liability answers physical injury and property damage arising from your premises or operations. Professional indemnity answers financial loss caused by your advice or professional work. A consultancy typically needs the second; a factory typically needs the first; many businesses need both.
Does public liability cover my own employees?
No. Injury to your own workers falls under the Employees' Compensation Act and is answered by a workmen compensation policy. Public liability covers third parties only.
How much cover should I take?
Set the per-accident limit against the worst single incident that is credible at your site, then set the aggregate against how many such incidents could occur in a year. Choosing a high per-accident limit with a low aggregate is a common and expensive mismatch.
Related: Public liability cover explained · Product liability · Workmen compensation quote