Public Liability

1. What is Public Liability ?

Property owners - for instance, owners of cafes or cinema houses are liable to compensate their guests or audiences as the case may be if bodily injury, death or damage is caused to their belongings or due to the carelessness of their servants. This liability of property owners is covered under public liability insurance.

2. What is provided under the Public Liability Insurance Act, 1991?

The Public Liability Insurance Act, 1991 provides that every owner of a hazardous establishment as defined under the Act needs to take out a compulsory insurance policy whereby he is insured against his liability to give relief under the Act.