Public Liability (Act) Insurance policy is designed to protect businesses against claims for which they become legally liable as per Public Liability Act 1991 and its subsequent amendments. This policy therefore covers the statutory liability of units involved in production, storage, transportation and use of hazardous substances as defined in the Environmental Protection Act, 1986.

This policy provides indemnity to third parties affected due to accidents on a no fault liability basis (irrespective of any wrongful act, neglect or default on the part of the insured) which includes:-

• Death or Bodily injury

• Damage to property

Indemnity limit provided under the policy is equal to the paid up capital of the undertaking subject to a maximum amount which is prescribed by rules framed under the Public Liability Act 1991. Currently the rule stipulated that:

• the insurer is liable to pay maximum of Rs. 5 crores for any one accident (AOA) and Rs.15 crores for Any one year (AOY) i.e. in aggregate during the policy period.

• AOY limit is 3 times of AOA.

• An equal amount is paid by the insured as contribution towards Environmental Relief Fund.

This policy can be taken by one who owns, controls, stores or handles hazardous goods that exceed predefined limits contained in Environmental Protection Act, 1986.

Some of the exclusions in this policy are -​​​

• Wilful or intentional non-compliance with any statutory provisions

• Fines, penalties, punitive and/or exemplary damages

• Damage to property owned, leased, hired, or under hire purchase, or on loan to the insured or otherwise in the insured owner's control, care, or custody.

• Directly or indirectly caused by:
  - ​War ​or war like perils
  - Nuclear perils or radioactivity​​

In the unfortunate event of any claim under the policy, please intimate IMMEDIATELY to our Call Centre at Toll Free Numbers: 1800 200 4030 or Email at contactclaims@universalsompo.com. Please note that no delay should be allowed to occur in notifying a claim on the policy as the same may prejudice liability

The documents can be scanned and sent across to enable us to start with the claim process. Once we receive the originals the process would be complete

The documents have to be dispatched to the below address:

Universal Sompo General Insurance Co.Ltd. Airoli Office-Unit No.601 & 602,A wing, 6th

floor, Reliable Tech Park, Cloud City Campus, Gut no 31, Mouje Elthan, Thane Belapur Road, Airoli, Navi Mumbai – 400708

Contact Details:

Name of the company: Universal Sompo General Insurance Company Limited

Registered & Corporate Office: Office No. 103, 1st Floor, Ackruti Star, MIDC Central Road, Andheri (East), Mumbai 400093, Maharashtra. Tel: 02241659800/ 900

Website: www.universalsompo.com.

E-mail: contactus@universalsompo.com

Customer Service: Toll Free Numbers: 1800 22 4030 / 1800 200 4030

Note: Please note that above is the gist. Please read the policy wordings in detail