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About the product

Public Liability Insurance Act came into force as Act of Parliament that received the assent of the President on the 22nd January, 1991

Public Liability (Act) insurance is for the purpose of providing immediate relief to the persons affected by accident occurring while handling any hazardous substance and for matters connected therewith or incidental thereto on “No Fault Liability” basis (OR) strict liability basis that follows Public Liability Insurance Act and Public Liability Insurance Rules

Accident” means an accident involving a fortuitous or sudden or unintended occurrence while handling any hazardous substance resulting in continuous or intermittent or repeated exposure to death of, or injury to, any person or damage to any property but does not include an accident by reason only of war or radio-activity;

Handling” - in relation to any hazardous substance, means the manufacture, processing, treatment, package, storage, transportation by vehicle, use, collection, destruction, conversion, offering for sale, transfer or the like of such hazardous substance [vehicle is any road transport other than Railways]

Hazardous substance” - means any substance or preparation which is defined as hazardous substance under the Environment (Protection) Act, 1986 (29 of 1986),


Premium charged depends on two factors:

  • Limit of indemnity selected
  • Annual turnover (Gross sales of all goods including all levies and taxes)

An equal amount (will not attract any tax) should be contributed towards the Environment Relief Fund subject to submission of Form-III