Public Liability
Protects the insured for any legal liability arising out of damages for accidental bodily injury, death and/or loss or damage to third party property. These may include damage to personal property, cars, etc., of the visitors by falling objects or injuries to visitors arising out of fall on slipper floors.
The proposer must provide the following information:
- The nature of business
- Physical address
- No. of employees including gross annual wages
- Whether there are any sub-contractors
- Condition of premises
- If any contractors/sub-contractors are engaged
- Claim history
Get More Details Here!
Claim conditions
- All litigations expenses must be incurred with written consent of the company.
- The Liability of the insurer will not exceed the sum insured.
Exclusions
- Any incident outside geographical limits.
- Loss or injury to employees
- Liability arising out of ownership or possession of any mechanically propelled vehicle
- Damage or loss to contract works
Occupation of the employee
Occupation/Industry that the employer operates in
Declare the annual earning of all employees
Observe occupational health and safety guidelines
Take reasonable precautions to avoid injuries
Claim conditions
- To notify Reliance Insurance immediately in case of an accident
- To notify the Director of Labour immediately
- Complete the relevant documentation
- DOSH forms available from the labour office
- Original medical bills
Exclusions
- Out of work injuries
- Expenses/benefits payable from other insurances GPA, NHIF
- Injuries sustained outside the geographical area
- Employees below the age of 16 years
- Expenses/awards as a result of court proceedings
Contractors All Risks
Contractors are often required by the terms of their contracts to have this insurance. Cover is provided for:
- Material damage to contract works
- All risks on machinery and plant
- Third party liability ari