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Commercial Insurance

Public Liability Insurance

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Key Features

Your shield against unforeseen legal liabilities risks

Inclusions

What’s covered?

  • Legal Liability Cover

Pays an agreed amount in case of legal liability (including defense costs) to cover damages for third-party claims arising from bodily injury or property damage caused by an accident on the premises

  • Defence Costs

Pays an agreed amount in case of costs, fees, and expenses incurred, with prior written consent, in the investigation, defense, or settlement of any claim, as well as the insured's representation costs at any civil inquest, inquiry, or other proceedings directly relevant to an actual or anticipated claim against the insured

  • Note

Please read policy wording for detailed inclusions

Exclusions

What’s not covered?

  • No-Fault Liability

Excludes liability under laws imposing no-fault liability, including the Public Liability Insurance Act 1991

  • Pre-Insurance Period Claim

Excludes claims made or threatened against the Insured prior to the insurance period

  • Known Circumstances

Excludes claims from circumstances known or notified under previous policies or before the insurance period

  • Pollution

Excludes claims arising from any kind of pollution

  • Product Liability

Excludes any claims related to products

  • Retroactive Date

Excludes claims for bodily injury or property damage occurring before the retroactive date specified

  • Retroactive Date

Excludes claims for bodily injury or property damage occurring before the retroactive date specified

  • Third-Party Property Damage

Excludes damage to rented, leased, hired, or loaned property, with exceptions for accidental damage during temporary occupancy.

  • Note

Please read policy wording for detailed exclusions

Benefits You Deserve

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Security

Safeguard against third party claims

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Peace of Mind

Peace of mind for your business operations

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Comprehensive Cover

Coverage for accidental injury or property damage

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Why Bajaj Allianz?

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Comprehensive Coverage

Protects against legal & financial liabilities

Customisable Plans

Tailor-made policy covers to suit different business needs
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Fast & Hassle-Free Claims

Efficient claim settlement with minimal documentation

Risk Mitigation Services

Expert guidance on loss prevention and business continuity

24/7 Customer Support

Round-the-clock assistance for policyholders

Download Policy Document

Get instant access to your policy details with a single click.

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Trusted Risk Advisor

Mobile Self Risk Assessment

PRIME Inspection app helps to evaluate quality of your property (Shop, Office, Plant or Others) having SI upto INR 50 crs. It is simple to navigate having multiple Q & A designed for client

Instant Generation of Risk Report

It helps Provide Risk Recommendations, Risk Quality Rating (RQR), Peer Comparison & GAP Analysis for the client

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Frequently Bought Together

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Group Mediclaim Insurance

  • Secure your Employee's Health & Wellness
  • Hassle Free Cashless Setllements

Group Personal Accident Insurance

  • Secure Peace of Mind for your employees
  • Financial support for employees against accidental injuries, disabilities and death

Marine Open Policy

  • One policy, multiple shipments, zero hassle
  • Ensure seamless transit coverage all year round with one policy—no hassles, no interruptions

Commercial General Liability

  • Shields against liability due to third party bodily injury & property damage
  • Pays defense costs and fees

Step-by-Step Guide

To help you navigate your insurance journey

How to Buy

  • 0

    Visit the Bajaj Allianz General Insurance website

  • 1

    Fill in the lead generation form with accurate details

  • 2

    Get quote, make payment and receive the policy documents

Buy Now

How to Renew

  • 0

    Contact the Policy Issuing Office

  • 1

    Review expiring policy and share necessary details

  • 2

    Receive renewal quote

  • 3

    Make renewal payment

  • 4

    Receive the renewed policy documents via email

Renew Now

How to Claim

  • 0

    Contact us through our customer service touchpoints

  • 1

    Submit the claim form along with the necessary documents

  • 2

    Provide details of the incident and any supporting evidence

  • 3

    Cooperate with the claims investigation process

  • 4

    Receive the claim settlement as per the policy terms

Claim Now

Know More

  • 0

    For any further queries, please reach out to us

  • 1

    Toll Free : For Sales :1800-209-0144

  • 2

    Email ID: bagichelp@bajajallianz.co.in

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Why Choose Us

Awards
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Bajaj Allianz General Insurance won IBEX award
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Bajaj Allianz wins Product Innovator of the Year
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Bajaj Allianz earns top honours for customer excel

Bajaj Allianz won best usage of data analytics

What Our Customers Say

Business Eligibility

The policy caters to businesses, from small shops to large commercial establishments. Coverage is designed to protect property, stock, and essential business assets.

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Raj Kapoor

Gujarat

4.9

22nd Dec 2024

Coverage Benefits

The policy provides coverage against fire, burglary, natural disasters, and accidental damage. It ensures complete protection for business premises and assets, giving peace of mind to business owners.

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Meena Sharma

New Delhi

4.7

10th Jan 2025

Buying Bajaj Allianz Commercial Property Insurance

Buying my Commercial Property Insurance from Bajaj Allianz was effortless. The process was clear, quick, and hassle-free. I received my policy instantly, ensuring my business is well-protected. 

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Rajesh Malhotra

Andhra Pradesh

4.8

5th Feb 2025

Customisation and Add-Ons

The policy offers various add-ons like loss of rent cover, debris removal, and architect fees, providing enhanced protection tailored to your business needs.

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Rohit Mehta

Uttar Pradesh

4.9

5th Oct 2024

Claim Settlement Process

Bajaj Allianz ensures a quick and transparent claims process. With proper documentation, claims are processed efficiently, minimising business downtime.

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Anjali Verma

Rajasthan

4.8

15th Nov 2024

FAQ's

What is the Bajaj Allianz Public Liability Insurance Policy?
Public Liability Insurance Policy provides comprehensive coverage for legal liabilities arising from third-party bodily injury or property damage due to business operations.

What are the key features of this policy?
Key features of public liability insurance plan typically includes coverage for legal liabilities, legal defence costs, customisable options, a high-claim settlement ratio, and risk management advice.

What does the public liability policy cover?
The policy usually covers legal liabilities arising from accidental bodily injury or property damage to third parties, along with legal defence costs.

What are the exclusions of the public liability policy?
Exclusions of this policy usually include liabilities arising from intentional acts, pre-existing known circumstances, contractual obligations, pollution, and the use of vehicles, aircraft, or watercraft.

How can I purchase the public liability insurance policy?
You can purchase the policy by visiting our website, obtaining a quote, customising your policy, filling out the application form, making the payment, and receiving the policy documents via email.

How much liability coverage should I purchase?
The amount depends on your business size, industry risks, and contractual obligations. Assess potential lawsuit costs, client expectations, and industry standards. A higher coverage limit protects against costly claims, preventing financial losses.

Can liability insurance cover employees’ mistakes?
Yes, professional liability insurance covers errors employees make while performing work duties. If a client sues over financial loss due to an employee’s mistake, the policy covers legal expenses, settlements, and claims. However, intentional wrongdoing or fraudulent actions are typically excluded from coverage.

Does liability insurance cover cyber-related risks?
Standard liability insurance does not cover cyber risks like data breaches or hacking incidents. Businesses handling sensitive customer data need cyber liability insurance. This policy covers legal fees, customer notification costs, regulatory fines, and recovery expenses.

What’s the difference between occurrence-based & claims-made policies?
Occurrence-based policies cover claims from incidents during the policy period, even if reported later. Claims-made policies cover only claims reported during the policy’s active term.

How is liability insurance different from other business insurances?
Liability insurance specifically covers claims from third parties for injuries, damages, or negligence. Unlike property insurance, which protects assets, or workers’ compensation, which covers employee injuries, liability insurance focuses on legal claims from external individuals or businesses against you.

How do I file a liability insurance claim?
To file a liability insurance claim, notify your insurer immediately, provide details about the incident, gather evidence such as photos or witness statements, and complete the claim form. The insurer will investigate, assess the damages, and determine coverage eligibility before processing the settlement based on policy terms.

Can a liability claim be denied?
Yes, a liability claim can be denied if the policyholder is found not liable, the incident is excluded from coverage, there’s insufficient evidence, or the claim is fraudulent. Reviewing the policy terms and providing accurate documentation can help avoid unnecessary claim rejections.

How does a liability claim affect my insurance premium?
A liability claim may increase your insurance premium, as insurers assess risk based on claim history. Multiple claims or high-value payouts can label you as a higher risk, leading to higher renewal costs.

How long does it take to settle a liability claim?
The time to settle a liability insurance claim varies based on its complexity, documentation, and insurer policies.

What should I do if my claim is denied?
If your liability claim is denied, review the denial letter and policy terms to understand the reason. You can appeal by providing additional evidence.

When should I renew my liability insurance policy?
You should renew your liability insurance before expiration to avoid coverage gaps. Most insurers send renewal notifications a few days before expiration. Reviewing your policy early allows time for adjustments if needed.

How do I check my liability insurance renewal date?
You can check your renewal date on your policy documents, insurer’s website, or mobile app. Insurers usually send renewal reminders via email, SMS, or post. If you’re unsure, contact your insurance provider or agent to confirm

Can I switch insurers while renewing my liability insurance?
Yes, you can switch insurers at renewal if you find a better policy. Compare coverage, premiums, exclusions, and customer service before switching.

What documents are needed for liability insurance renewal?
Insurers typically require your current policy details, claim history, updated business information, and financial records. Some may request risk assessment reports or compliance documents.

Are there discounts available when renewing liability insurance?
Yes, insurers offer discounts for claim-free records, risk management measures, bundling policies, and long-term loyalty. Some also provide reduced rates for businesses with strong safety protocols or low-risk profiles.
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With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144