Liability Insurance

Liability insurance is insurance that provides protection against claims resulting from injuries and damage to people and/or property.

Liability insurance policies cover both legal costs and any legal payouts for which the insured would be responsible if found legally liable. Intentional damage and contractual liabilities are typically not covered in these types of policies.

Liability insurance is critical for those who may be held legally liable for the injuries of others, especially medical practitioners and business owners. A product manufacturer may purchase product liability insurance to cover them if a product is faulty and causes damage to the purchasers or any other third party. Business owners may purchase liability insurance that covers them if an employee is injured during business operations.

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Public Liability

This policy covers the following while arising out of your normal business operation:

Death of or bodily injury to any person other than the person in the service of or acting in any capacity either for the insured or for any sub-contractor to the insured.

Damage to property other than property belonging to or held in trust by or in the control of the insured or on his employees of sub-contractors where such damage is not recoverable under any other policy.

All costs and expenses incurred in connection with the defense of any claim made against the insured is payable.

The limits of indemnity may be given by the proposer as given below:

  • Any one claim
  • Any one event
  • Any one period of Insurance

Workmen’s Compensation

Keeping employees safe at work is a top priority for any business. However, it is not always possible and sometimes accidents occur. But while it is not always easy to protect your staff against accident and injury, it is possible to ensure that they are covered against loss of earnings and expensive medical bills should such an incident occur. That’s exactly what workmen’s compensation insurance does.

Workmen’s compensation insurance – also known as a workmen compensation policy – covers medical costs and usually a percentage of the wages lost should an employee be unfit to work due to an illness or injury caused by or sustained while doing their job. The types of illness and injury covered by such an insurance policy include:

This policy pays the compensation as per labour laws of the jurisdiction agreed under the policy.


Professional Indemnity

Professional Indemnity insurance is designed for professionals who provide advice or an intellectual service to their customers. It protects you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.

If a mistake or omission occurs in the course of your work that results in financial loss or injury to a third party (e.g. a customer)—that customer may take legal action against you to recover their losses. Professional Indemnity insurance seeks to protect both your assets and your reputation, should this occur.

Professionals like architects, engineers, doctors, lawyers, chartered accountants, and medical practitioners, and services such as medical establishments need to protect their business interests against legal claims for error, omissions, professional neglect.



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