Public Liability Insurance

Public Liability(Act) policy:

Simple yet comprehensive; this defines Bharti AXA's Liability Insurance Policy (under Public liability insurance act, 1991). The Public Liability Act, 1991 was made effective from 01.04.1991 to provide through insurance, immediate relief, by owners who control or handle hazardous substances, to persons affected due to accident due to handling of such hazardous substances on ‘No Fault Liability’ basis. 

As per the Act, anyone who owns controls or handles hazardous chemicals as detailed in the provisions of the Act should take Liability Insurance policy (under Public liability insurance act, 1991)

What does this policy cover?

The policy provides cover against; It covers your statutory liability arising out of accidents occurring during the currency of the policy due to handling hazardous substances as provided in the PUBLIC LIABILITY INSURANCE ACT 1991 and the Rules framed there under. 

What does this policy not cover?

The policy does not cover liability: 

• Arising out of willful or intentional non compliance of any statutory provisions
• In respect of fines, penalties, punitive, and/or exemplary damages
• Arising under any other legislation except in so for as provided for in Section 8 Sub Section (1) and (2) of the Act

Applicability

A person who owns or has control over handling any hazardous substance at the time of accident and includes 

• a firm any of its partners
• an association, any of its members,
• a company, any of its directors, managers, secretaries or other officers who is directly in charge of, and is responsible to the company for the conduct of the business of the company.

Public Liability Industrial:

Provides cover for third party liabilities (bodily injury / property damage) arising out of the manufacturing / industrial premises occupied by the insured and legal costs incurred in connection therewith. The policy can be extended to cover legal expenses arising out of pollution, transportation of hazardous substances, carriage of treated effluents etc. 

What does this policy cover?

• Your legal liability towards damages to the third party in respect of accidental death, bodily injury or loss of or damage to property.
• Legal costs and expenses incurred by you with prior consent.
• For more comprehensive protection, you can extend it to cover legal exposures arising out of sudden and accidental pollution, Act of God perils, transportation of hazardous substances and more.

What does this policy not cover?

The policy does not cover liability arising out of or in connection with pollution, any product, personal injuries such as libel, slander, fines, penalties and punitive or exemplary damages, and transportation of materials. 

Applicability

This policy can be offered for manufacturing premises, Godowns / Warehouses. 

Public Liability Non Industrial:

Provides cover for third party liabilities (bodily injury / property damage) arising out of the Non Industrial ( Hotels, Schools, Public halls, Auditorium ,Godowns etc) premises occupied by the insured and legal costs incurred in connection therewith. 

What does this policy cover?

• Your legal liability towards damages to the third party in respect of accidental death, bodily injury or loss of or damage to property.
• Legal costs and expenses incurred by you with prior consent.
• For more comprehensive protection, you can extend it to cover legal exposures arising out of Food and Beverages, Swimming Pool Extension, Good kept in Care, custody and control.

What does this policy not cover?

• For losses arising out of convulsions of nature
• For losses arising out of non-compliance of statutory provision
• For losses arising out of pure financial nature such as goodwill loss etc.
• For losses resulting from personal injuries(such as libel, defamation etc.) and infringement of plans

Applicability

• Hotels, Motels, Club Houses, Restaurants, boarding and Lodging houses, Guest houses
• Cinema halls/ auditorium/ theatres/ operation theatres/ public halls
• Offices/ Residential premises/ Administrative premises/ Medical Establishments/ Research institutes/ Airport premises
• Schools, educational institutions, libraries o Exhibitions, Fairs and fetes, stadium and Pandals
• Permanent amusement park o Film studios-indoor and outdoor