Protects your business from legal and financial risks arising from injury or damage caused to third parties. Public Liability Insurance protects your business if a third person (visitor, customer, vendor, neighbour, or any member of the public) suffers:
Injury, or Damage to their property due to your business operations.
In such situations, the affected person may file a legal claim against your company. This policy ensures that the financial burden does not fall on you.
So if you identify your business entity from the following, you need this policy:
- Factories and manufacturing units
- Warehouses and godowns
- Offices and service centres
- Hotels, restaurants and malls
- Shops and showrooms
- Educational institutions
- Contractors, workshops and facility management units
- Chemical, pharmaceutical and logistics companies
Let me show you in which scenarios there will be disruptions:
Accidental injury claims, Property damage ( say your operations accidentally damage a client’s equipment or neighboring property), Product liability ( a product you supply causes harm or damage to a customer), some passerby just slipped into a pit dug at your site, Legal defense costs ( covering court fees, settlements, and compensation awarded to third parties)
Running a business comes with responsibilities—and risks. Even a small accident or error can lead to big financial claims. Buy Third-Party Liability Insurance.
Frequently Asked Questions
What is Public Liability Insurance?
What documents are a must to file claim?
- 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?
This policy protects you from legal costs and compensation payments, preventing sudden financial burden.
What types of incidents are covered?
- 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?
This policy covers non-employees only.
Does it cover damage to my own property?
Your own property should be covered separately under a Fire & Property Insurance policy.
Does this policy help during legal cases?
Legal fees
Lawyer charges
Court expenses
Settlement amounts
up to the policy limit.
Why should I buy Public Liability Insurance through GIMA Solution?
✔ 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
