Public Liability Insurance (Industrial / Non-Industrial) – National Insurance

In today’s business environment, any organization—whether industrial, commercial, or service-based—faces the risk of causing accidental injury or property damage to third parties. Even a small incident at the workplace or project site can result in substantial legal claims, compensation costs, and reputational impact.

To safeguard businesses from such unpredictable liabilities, National Insurance offers Public Liability Insurance (Industrial and Non-Industrial)—a comprehensive protection plan designed to cover legal liabilities arising out of accidents that affect third parties.

What is Public Liability Insurance?

Public Liability Insurance provides financial protection to businesses against legal liabilities arising due to:

• Bodily injury or death of a third party
• Damage to third-party property
• Legal expenses arising from claims and lawsuits

This policy covers incidents occurring within business premises, at project sites, or during business operations.

National Insurance offers two variants:

• Public Liability (Industrial Risks)
• Public Liability (Non-Industrial Risks)

1. Public Liability Insurance – Industrial

This category is designed for:

• Factories
• Manufacturing units
• Power plants
• Workshops
• Warehouses & storage units
• Chemical/engineering industries
• Large industrial operations

Coverage Includes

• Accidental bodily injury or death of third parties inside or near the industrial premises
• Damage to third-party property due to industrial activities
• Claims arising from fire, explosion, machinery malfunction, or operational hazards
• Legal defense costs
• Liability arising from temporary or contract workers (as applicable)

Typical Industrial Risks Covered

• Flying objects, debris, machinery-related hazards
• Leakage or accidental discharge of substances
• Collapse of structures
• Electrical hazards
• Loading/unloading operations

2. Public Liability Insurance – Non-Industrial

Designed for commercial and service establishments such as:

• Offices
• Shops & showrooms
• Hotels & restaurants
• Schools & colleges
• Clinics, laboratories
• Event venues
• IT parks, malls, residential complexes

Coverage Includes

• Slips, trips, or falls by visitors
• Accidental property damage
• Injuries caused by business operations
• Legal expenses for handling claims
• Liability arising from faulty services or negligence

Key Features of National Insurance Public Liability Policy

✔ Protection Against Costly Legal Claims

Covers legal compensation, medical costs, and litigation expenses.

✔ Covers Both Industrial & Non-Industrial Activities

Custom-designed based on the nature of business.

✔ Flexible Sum Insured Options

Choose limits based on risk exposure and business size.

✔ Wide Scope of Liability Coverage

Includes bodily injury, structural damage, operational hazards, and accidental incidents.

✔ Optional Extensions Available

• Act of God perils
• Sudden & accidental pollution
• Food/beverage liability (for restaurants)
• Lift/escalator liability
• Tenant’s legal liability
• Personal accident cover for visitors

Who Should Opt for This Policy?

Industrial Clients:

• Manufacturing units
• Chemical, engineering, textile, machinery plants
• Warehouses & logistics hubs
• Construction & EPC companies

Non-Industrial Clients:

• Retail shops, showrooms, malls
• Hotels, restaurants, cafés
• Offices, banks, IT companies
• Schools, colleges, coaching centers
• Clinics, diagnostic centers
• Function halls, event organizers

Any business that interacts with the public should have Public Liability Insurance.

Why Choose National Insurance?

✔ Trusted government-owned insurer

✔ Expertise in handling liability claims

✔ Affordable premiums for all business categories

✔ Fast and efficient claim settlement

✔ Wide service network across India

Conclusion

Accidents can happen anytime, even with the best safety measures in place. National Insurance’s Public Liability Insurance (Industrial / Non-Industrial) ensures that your business remains financially protected from third-party legal claims, medical costs, and property damage liabilities. This essential protection enhances business credibility, safeguards finances, and provides peace of mind for owners and operators across industries.