What is Personal Accident Insurance?
One of the most important insurance covers , a safety net for your family, against the unexpected, untoward life events.
A Personal Accident (PA) Policy provides financial protection if a person suffers:
- Accidental death
- Permanent disability
- Partial disability
- Temporary disability
Whether the accident happens at home, at work, on the road, or anywhere in the world, (Accidents can happen anytime, often without warning.) this policy ensures financial stability for you and your family.
GIMA helps you select a perfect policy and plan to provide a lump-sum payout to support:
- Your family’s financial needs
- Loss of income due to disability
- Medical expenses (depending on add-ons)
- Rehabilitation and recovery
The best way to predict a future is to build it. Start with building a safety net for your family.
Frequently Asked Questions
How to select the right Insurance Advisor for Export and Import, Voyage, Clearances, or Claims?
What is Public Liability Insurance?
It is a policy that protects your business if a third person (customer, visitor, vendor, neighbour, etc.) gets injured or their property is damaged because of your business activities.
What documents are a must to file claim?
Who is considered a “third party”?
If they suffer injury or property damage due to your business, the policy covers your liability.
- Visitors
- Customers
- Delivery personnel
- Vendors and contractors
- Neighbours
- General public
If they suffer injury or property damage due to your business, the policy covers your liability.
Why does my business need Public Liability Insurance?
Accidents can happen anytime. Even a small incident—like a visitor slipping or a machine causing property damage—can result in legal claims.
This policy protects you from legal costs and compensation payments, preventing sudden financial burden.
This policy protects you from legal costs and compensation payments, preventing sudden financial burden.
What types of incidents are covered?
Typical incidents include:
- Injuries on your premises
- Damage to someone else’s property
- Objects falling or machinery malfunction
- Leakage, fire, smoke or water damage affecting others
- Accidents during maintenance or repair work
What expenses does the policy pay for?
- Compensation awarded to the affected third party
- Medical expenses (if applicable)
- Legal costs for defending the claim
- Settlement charges (if approved by insurer)
Does it cover injury to my own employees?
No. Employees are covered under Workmen Compensation or Employee Compensation policies, not under Public Liability.
This policy covers non-employees only.
This policy covers non-employees only.
Does it cover damage to my own property?
No. It only covers damage caused to someone else’s property.
Your own property should be covered separately under a Fire & Property Insurance policy.
Your own property should be covered separately under a Fire & Property Insurance policy.
Does this policy help during legal cases?
Yes. The insurer pays:
Legal fees
Lawyer charges
Court expenses
Settlement amounts
up to the policy limit.
Legal fees
Lawyer charges
Court expenses
Settlement amounts
up to the policy limit.
Why should I buy Public Liability Insurance through GIMA Solution?
✔ Expert guidance to choose the right coverage limit
✔ Custom solutions for shops, factories, hotels, offices, contractors
✔ Competitive quotes from multiple insurers
✔ Full claim support and documentation assistance
✔ Simple explanation of terms and exclusions
✔ Custom solutions for shops, factories, hotels, offices, contractors
✔ Competitive quotes from multiple insurers
✔ Full claim support and documentation assistance
✔ Simple explanation of terms and exclusions
