Public Liability Insurance Policy

● Industrial Seepage, Pollution and Contamination Extension
● Carriage of Effluents (Outside the Premises) Extension
● Transportation Extension
● Act of God Perils Extension
*Our base offering (minimum necessary coverage) includes god perils, food & drinks, and sudden & accidental pollution.

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.

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.

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.