Public Liability Insurance PolicyPublic Liability Insurance Policy

Public Liability Insurance
Policy

  • Introduction
  • What’s covered ?
  • What’s not covered ?
  • Why Choose HDFC ERGO?

Public Liability Insurance Under PLI Act, 1991

Every business is carefully nurtured for growth and profit. But inevitably, as in life, accidents occur. For instance, a customer slips and twists her ankle because of a wet floor in your business premises, resulting in hospitalization.

Public exposures and liabilities Affected by law can bring an abrupt end to a promising business future. With HDFC ERGO’s Public Liability Insurance Policy, you are covered against such legal liabilities, giving your business the best of protection.

 

What's Covered?

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The policy indemnifies you for any claims arising out of accidents, injury and damages that occur on your premises in connection with the carrying on of your business.

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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's Not Covered?

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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.

Extensions

 
  • Industrial Seepage, Pollution and Contamination Extension
  • Carriage of Effluents (Outside the Premises) Extension
  • Transportation Extension
  • Act of God Perils Extension

Sum Insured

This depends on the exposure you specify. You are required to fix two limits of indemnity as under (for both premises and transportation):

  • Any One Accident (AOA)
  • Any One Year (AOY)

AOA and AOY must be in the ratio of 1:1, 1:2, 1:3 or 1:4. It is not permissible to issue a policy with unlimited liability.

Premium

The rate chargeable varies based on the risk group, limits of indemnity selected, ratio of limits, number of locations, and annual turnover of your business.

Excess

The policy is subject to a compulsory excess of 0.25% of the AOA limit, subject to a maximum of Rs.1,50,000 and minimum of Rs. 1,500. Opting for a higher excess on a voluntary basis qualifies you for a discount in the premium payable.

Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY: 18-19.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY:18-19.
Awards & Recognition
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