Public Liability Act
Public Liability Act Insurance provides immediate relief on a no-fault basis when an accident involving hazardous substances causes death, injury, or third-party property damage.
HDFC ERGO
Bajaj Allianz
ICICI Lombard
Iffco Tokio
SBI General
Kotak Zurich
Raheja QBE
TATA AIG
Liberty General
Cholamandalam
Shriram General
Reliance
Go Digit
What makes Public Liability Act cover different?
This policy is mandatory for companies involved in the manufacturing, packaging, storage, handling, or processing of hazardous substances.
- Covered01 / 08
Statutory Liability Cover
Covers liability arising from accidents involving hazardous substances under the Public Liability Act, 1991.
- Covered02 / 08
Immediate Financial Relief
Provides relief following death, bodily injury, or damage to third-party property.
- Covered03 / 08
Third-Party Protection
Third parties, including eligible employees not covered under the Workmen’s Compensation Act, may claim compensation.
- Covered04 / 08
Collector-Decided Awards
The District Magistrate or Collector determines the claim award or settlement amount.
- Covered05 / 08
Environmental Relief Fund
An amount equal to the premium is contributed to the Environmental Relief Fund for accident relief.
- Not covered06 / 08
War & Terrorism
Claims arising from war, terrorism, or related hostile acts are excluded.
- Not covered07 / 08
Nuclear & Radiation Risks
Losses caused by nuclear radiation or radioactive contamination are not covered.
- Not covered08 / 08
Fines & Punitive Damages
Fines, penalties, punitive damages, and exemplary damages are excluded.
Disclaimer: Explanations in "What's Included" are illustrative and subject to the Policy's terms, conditions, and exclusions. Refer to the Policy Document for details.
The Act is specific. Your cover should be too.
Mitigata helps turn definitions, handling activities, liability categories, and relief limits into a clearer insurance conversation.
Scope and ownership stay fuzzy.
- 01·Scope stays vague
Hazardous activities may not be mapped properly.
- 02·Responsibility stays unclear
Owners and responsible persons are not identified early.
- 03·Relief limits get mixed up
Death, injury, disablement, and property relief are treated alike.
- 04·Important processes get missed
Collector-led awards and ERF contributions receive little attention.
Scope and ownership made clear.
- 01·Handling activities mapped
Relevant manufacturing, storage, use, and transport activities are reviewed.
- 02·Responsible parties identified
Ownership and operational responsibility are clarified.
- 03·Relief categories explained
Applicable death, injury, disablement, and property limits are made easier to understand.
- 04·Process made clearer
The role of the Collector and Environmental Relief Fund is explained upfront.
The nearby risks worth covering too.
Pair Public Liability Insurance with policies that cover professional services, digital incidents, and wider business liability.
Commercial General Liability Insurance
Broader business liability cover for third-party bodily injury, property damage, advertising injury, legal defence, and completed operations.
Professional Indemnity Insurance
Covers claims linked to professional negligence, errors, omissions, legal expenses, and compensation demands from clients.
Cyber Insurance for Businesses
Corporate cyber cover for data breaches, ransomware, business interruption, breach response, legal costs, and third-party liability.
Estimate your premium before the sales call does.
Pick your industry, team size, and preferred cover. Get a quick premium estimate without forms, follow-ups, or the classic "we'll get back to you."
This is an estimated quote. Final quote depends on full risk profile, coverage limit, prior claims, controls in place, and insurer underwriting.
Public Liability Act questions, without the legal maze.
- It provides immediate financial relief on a no-fault basis to people affected by accidents occurring while hazardous substances are being handled.
- An owner is a person who owns or controls the handling of hazardous substances. Depending on the entity, this may include partners, association members, directors, managers, secretaries, or officers directly responsible for the business.
- Handling includes manufacturing, processing, treatment, packaging, storage, transportation, use, collection, destruction, conversion, sale, and transfer.
- Eligible third parties may claim compensation, including employees who are not covered under the Workmen’s Compensation Act, 1923.
- The award or settlement amount is determined by the District Magistrate or Collector.
- The listed exclusions include war and terrorism, nuclear radiation, statutory non-compliance, fines and penalties, damage to the insured’s property, radioactive contamination, and liability arising outside India.
Handling hazardous substances? Handle the liability too.
Speak with Mitigata to understand the statutory liability, covered accidents, and relief provisions relevant to your operations.