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The Liability Cover Your Non-Industrial Business ought to have

Public Liability Non Industrial Insurance Policy

Every business entitles some kind of risks that are sudden and uncontrollable. Risks are what plague people everywhere and they can occur in places apart from factory and industrial settings. Therefore, Liberty Videocon General Insurance offers the Public Liability Non-Industrial Insurance Policy to help you tackle the risks involved in the Non-Industrial sector with ease.

Features & Benefits

  • Requirements

    If you own a hotel, cinema, restaurant or any non-industrial office, there could be instances where the people visiting your premises get hurt or face a disastrous mishap. While, you are the owner of the property, you’ll be the one liable for the damage and injuries or even death caused to the people present at your premises at the time of the fortuitous occurrence. You have to be prepared for such incidences as they happen are likely to happen at the most unexpected times and most unanticipated places. Our Public Liability Insurance (Non-Industrial Risk) Policy will however protect you from financial worries in such situations.

  • Benefits

    In case an accident befalls causing damage or injury to a third party on your premises, the policy will ensure that they are duly compensated and your legal liabilities are taken care of. The policy will keep you prepared and financially secure.

  • Sum Insured

    This Public Liability Insurance (Non-Industrial Risk) Policy has defined limits, which are:

    1. Any One Accident (AOA): It defines the maximum amount payable for each accident under the policy.
    2. Any One Year (AOY): It describes the maximum payable amount for any one year under the policy. This value is expressed in a ratio with regard to the AOA such as 1:1 or 1:2 or 1:3 or 1:4.
  • Premium

    The amount of premium to be paid by the insured shall be calculated after considering factors like the limits of the indemnity, risk group classification of the property, gross annual turnover, plus the extensions you choose to put in force.


Our Public Liability Non-Industrial Insurance Policy covers your legal liability for damages such as accidental death, bodily injury or damage to property, experienced by a third party. It also protects against any legal costs incurred in such events, with prior consent. Following is a list of the broad exclusions and inclusions of the policy. However, the following is only a list of mains and for a complete exhaustive list you must read the policy wordings.

*Terms & Conditions apply.

Anyone who owns a non-industrial property like an office, restaurant, mall etc. can make use of this policy. To know more about the eligibility, inclusions and exclusions, please read the policy wordings.

Apart from what the policy’s initial coverage, the following can be added as an extended coverage if you pay an additional premium:

  • Liability of goods kept in your custody
  • Sudden and accidental pollution endorsement
  • Act of God extension
  • Transportation extension
  • Liability of food and beverages provided by you
  • Liability of your swimming pool
  • Liability of sports facilities provided by you
  • Other Facilities provided by you

The Public Liability Insurance (Non-Industrial Risk) Policy will not cover you in the following cases:

  • Deliberate, intentional or willful non-compliance of any statutory provision or functioning in disregard of your technical or administrative management
  • Liability as a result of all personal injuries such as slander, libel, wrongful eviction, false arrest, etc. and anguish, shock, or mental injury
  • Liabilities arising out of penalties, fines, punitive or exemplary damages resulting from the burgeoning of compensatory damages
  • Loss of a pure financial nature such as loss of goodwill, loss of market, etc.
  • Infringement of plans, patent, copyright, trade name, registered design or trademark
  • Ownership, possession or use by or on behalf of you, of any aircraft, watercraft or hovercraft
  • Liability directly or indirectly caused by War and allied perils and any act of terrorism
  • Liabilities directly or indirectly caused by ionizing radiations or contamination by radioactivity from any nuclear waste or nuclear fuel or its combustion or by the toxic, radioactive, explosively hazardous properties of any nuclear assembly or nuclear component
  • Liability arising from earthquakes, volcanic eruption, flood, tempest, storm, typhoon, hurricane, tornado, cyclone or other natural atmospheric disturbance, unless covered specifically under the Act of God.
  • Liabilities arising by the transportation of dangerous materials or hazardous substances outside of the insured’s premises, unless specifically covered by the policy extension.
  • Injury caused to any person, under a contract of employment or traineeship, because of the execution of such a contract.
  • Contractual liability
  • Claims arising out of or in connection with pollution, howsoever caused and any product, unless specifically covered.

Why Car Insurance?

Listen to Our Customers

The Client has highly appreciated the inputs and report from Mr. Sudhanshu.
Its because of him we were able to convince the client to move to Liberty along with local sales support.​

Rohit Kapoor

We find the report is very exhaustive in bringing out the risk exposures and the works the client has to carry out for risk elimination. Surely the client will be benefited by the suggestions you have put forth.​


The contents of your newsletter are quite interesting and informative.

This will help in creating awareness in the industry about the loss prevention and good maintenance.

Thanks for the good work you are doing.​


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Registration Number: 150 | ARN- ADVT/2017/May/22 | CIN: U66000MH2010PLC209656

© 2017 Liberty Videocon General Insurance Co. Ltd.

Reg Office: 10th floor, Tower A, Penisuala Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai - 400013

Trade Logo displayed above belongs to Liberty Mutual and used by the Liberty Videocon General Insurance Company Limited under license. For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale.