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  • As per Public Liability Insurance Act, 1991, Any One Accident Limit (AOA) should not be for an amount less than the amount of the paid-up capital of your company and at the same time it should not exceed INR 5cr Any One Accident & AOY limit shall not exceed INR 15 crore in yearly aggregate. 
  • Transportation  Liability is covered (within the meaning of “handling”)
  • Territory and Jurisdiction is India only 
  • Deductible is “Nil” 
  • Amount equal to premium is contributed toward ERF (Environmental Relief Fund of Ministry of Environment) 
  • Claim award/settlement amount is decided by the District Magistrate/ Collector 
  • Liability in respect of each claimant is limited as per section 3 (1) of the act as: 
  • INR 25,000 per person for fatal accidents 
  • INR 12,500 for medical expenses incurred 
  • Damage to private property limited to INR 6,000 
  • fixed monthly relief not exceeding INR 1,000 per month up to a maximum of 3 months for loss of wages due to temporary partial disability