Public Liability Insurance
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Starting At ₹7,872*/year
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Public Liability Insurance
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Get ₹25 Lakh Cover,
Starting At ₹7,872*/year
Public Liability Insurance
Protects businesses when third-party injury happens on business property
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Public Liability Insurance Made Easy
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Understand
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Public Liability Insurance is a crucial safety net for businesses, protecting them against claims made by a third party for bodily injury, property damage, or even death. These incidents may occur due to the business’s operations, activities, or premises. This type of insurance is designed to cover legal costs and compensation claims if the business is found liable for such events.
See More...Public Liability Insurance is a must-have for any business. It provides vital protection against unexpected incidents that could result in third party claims for injury or property damage. Here is why it is so important:
Protection from Unexpected Events
Accidents can happen at any time. Whether it's a customer slipping on your shop floor or damage caused by your equipment, Public Liability Insurance helps cover the costs of such third-party liability events, preventing your business from bearing the financial burden alone.
Covering Legal Costs
If your business is held responsible for an accident or damage, the legal costs can be high. Public Liability Insurance covers such third-party liability expenses, ensuring that you don't have to use your business funds to pay for legal defence or court fees.
Maintaining Your Reputation
Dealing with claims and accidents can impact your reputation. Having Public Liability Insurance shows your customers that you take responsibility and care about their safety and third-party liability. This can help maintain their trust and loyalty, even if an unfortunate incident occurs.
Legal Requirement in Some Cases
For certain industries or business activities dealing in hazardous activities, having Public Liability Insurance is mandatory under the Public Liability Insurance Act of 1991.
Financial Security for Your Business
Without Public Liability Insurance, a single claim could force your business into financial hardship. Insurance provides the financial cushion you need to keep your operations running smoothly, even if unexpected incidents lead to significant costs.
Public Liability Insurance offers protection for your business in cases where you are held responsible for injuries, property damage, or other claims made by third parties. This coverage helps ensure that you are financially protected from a third-party liability and can continue with your operations without major disruptions.
Here is what it typically covers:
Injury to Third Parties
If a third party is injured due to your business activities or while on your premises, Public Liability Insurance will cover their medical costs and any compensation they are entitled to. This ensures that any third-party liability claims are handled quickly, without placing a financial strain on your business.
Damage to Third-Party Property
If your business causes damage to someone else's property, Public Liability Insurance will help cover the costs of repairs or replacement. For example, if your team accidentally breaks equipment at a client's location, the insurance will cover the costs of fixing or replacing the damaged property.
Legal Fees
In the event that your business is sued, Public Liability Insurance will cover the costs of legal defence. This includes lawyer fees, court costs, and other associated expenses. It means you don't have to worry about expensive legal costs if you're involved in a claim.
Compensation for Claims
If your business is found liable for an incident, the insurance will help cover the compensation you need to pay to the third party. This may include medical bills, lost wages, or other costs incurred due to the incident.
Medical Expenses
If a third party requires medical treatment due to an injury caused by your business, Public Liability Insurance will cover their medical expenses. This ensures that you're able to cover the costs without affecting your business's finances.
Personal/Advertising Injuries
This coverage also extends to personal and advertising injuries. If your business faces claims of defamation or false advertising, Public Liability Insurance will cover the associated costs, helping to protect your reputation.
While Public Liability Insurance offers important protection for your business, there are some situations and risks that it does not cover. It is important to understand these exclusions so you know what additional coverage you may need.
Here is what Public Liability Insurance typically does not cover:
Employee Injuries
Public Liability Insurance does not cover injuries to your employees. If an employee is injured at work, you will need a separate Workers’ Compensation Insurance or Group Health Insurance to cover their medical expenses and compensation.
Damage to Your Own Property
This insurance does not cover damage to your own property or assets. For example, if your business equipment is damaged, this will not be covered under Public Liability Insurance. You will need specific property or equipment insurance for this.
Intentional or Reckless Acts
If damage or injury is caused by intentional or reckless actions, Public Liability Insurance will not cover the costs. Insurance is meant to cover accidents and unforeseen incidents, not deliberate harm.
Professional Mistakes
If your business offers professional advice or services, Public Liability Insurance will not cover claims related to professional errors or negligence. For example, if you give faulty advice that leads to a financial loss for a client, you will need Professional Indemnity Insurance to cover this type of claim.
Contractual Liability
Public Liability Insurance will not cover any liabilities that arise from a contract you have entered into. If you have signed a contract that holds you responsible for certain risks, those liabilities will not be covered by your insurance.
Pollution and Environmental Damage
Damage caused by pollution, contamination, or environmental harm is typically excluded from Public Liability Insurance. If your business involves activities that could lead to environmental damage, you may need separate environmental liability coverage.
Product Liability
If your business manufactures or sells products, Public Liability Insurance will not cover claims related to defects in your products. Product Liability Insurance is a separate policy that covers injuries or damage caused by faulty products.
Buying Public Liability Insurance with BimaKavach is straightforward and quick. Our process is designed to make it easy for you to get the right coverage for your business. Just follow these simple steps:
Select Your Insurance Product
First, choose Public Liability Insurance from our range of products.
Enter a Few Business Details
Once you have selected Public Liability Insurance, enter some basic details about your business. This helps us understand your requirements and offer you the best coverage options tailored to your needs.
View & Compare Quotes
After providing your business details, you will be able to view and compare different insurance quotes. This allows you to find the coverage that best fits your budget and business requirements.
Finalise Quote With Expert
Once you have found a quote you like, you can connect with one of our experts to finalise the details and ask any questions you may have.
Pay Online
After finalising your quote, simply make the payment online. With BimaKavach's secure payment options, it is easy to complete the purchase and get your business covered right away.
Notify Us
As soon as the incident happens, contact us within 2 days. Share the details of what happened and any key documents, such as the legal notice, FIR, or incident report. We will ensure everything is in place to start the process.
We will Help You with Lawyer Approval
Before hiring a lawyer, we will help you get approval from your insurer. We will guide you through the process and ensure everything aligns with your policy. Do not worry, we are here to assist every step of the way.
We will Guide You on Lawyer Fees
We will help you get the lawyer’s fees approved by the insurer. You can explore different options, and we will ensure the fees match what is allowed in your policy.
We will Handle the Evaluation
We will help submit the necessary documents and ensure the insurer has everything required to evaluate the claim. If anything extra is needed, we will manage it for you.
We will Keep You Updated on the Decision
Once the insurer has reviewed the claim, we will keep you informed about the decision. If there is any delay due to missing information or complexity, we will help gather the necessary updates and keep the process moving forward.
Slip and Fall Injury at a Retail Store
In 2022, a customer visiting a retail store slipped on a wet floor in the entrance area and broke their leg. The customer filed a claim against the store for medical expenses and compensation. The store had Public Liability Insurance, which covered Rs. 6 lakhs for medical treatment, Rs. 4 lakhs for legal fees, and Rs. 5 lakhs in compensation to the injured customer. This allowed the store to manage the costs without facing major financial difficulties.
Damage to Customer's Vehicle in Parking Area
In 2023, a customer's car was damaged when a delivery vehicle backed into it in the store's parking lot. The customer filed a claim for the repair costs. The store's Public Liability Insurance covered Rs. 5 lakhs for the vehicle repair costs, Rs. 2 lakhs for legal fees, and Rs. 1.5 lakhs for the customer's inconvenience. This helped the store resolve the claim promptly without affecting its finances.
Food Poisoning Incident at a Restaurant
In 2021, a group of customers fell ill after eating at a restaurant, claiming food poisoning from a meal served there. The customers filed a claim against the restaurant for their medical treatment and lost earnings. The restaurant's Public Liability Insurance covered Rs. 5 lakhs for medical expenses, Rs. 2 lakhs for legal fees, and Rs. 3 lakhs in compensation to the affected customers. This coverage helped the restaurant manage the claim without damaging its reputation or financial health.
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Common Questions Answered
Common Questions Answered
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- Financial Protection: It covers legal costs and compensation claims, protecting your business from significant financial losses.
- Reputation Management: By handling claims quickly, it helps protect your business's reputation with customers and the public.
- Compliance: Businesses dealing with hazardous substances must have Public Liability Insurance under the Public Liability Insurance Act of 1991.
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