What is Public Liability Insurance?
Public Liability covers legal liabilities arising from accidental bodily injury or property damage caused to third parties on or because of the business premises or operations.
Who needs it?
- Shops, restaurants and showrooms
- Factories with public/vendor access
- Event organisers & venues
- Construction contractors
- Property managers & housing societies
Why it matters
Legal defence costs included
Covers acts of employees on business premises
Often required by lease agreements & licences
Cover up to ₹50 Cr available
Common myths, busted
Myth: Customer accidents aren't my responsibility.
Truth: Indian courts hold occupiers liable. One slip-and-fall lawsuit can wipe out years of profit.
Real claim examples
- ₹18 L settlement covered for a restaurant after a customer slip-and-fall hospitalisation.