Protection when someone holds you responsible.
Compare public, product, professional and D&O liability cover from our partner insurers. An advisor helps you set the right limits.
- IRDAI Licence No. 1135Direct Broker (Life & General)
- [X]+ partner insurersCompare plans side by side
- Claim help from a real personWe follow up with the insurer
- Talk to an advisorCall +91 84700 67555
What is liability insurance?
Liability insurance pays compensation and legal costs if a third party holds you or your business legally responsible for injury, loss or damage.
Each policy has a limit of indemnity, the most the insurer will pay, which you choose based on your risks and contracts.
Find the right planTypes of liability insurance
Pick one to get quotesWhat's covered, and what isn't
Cover varies by plan. Always check the policy wording before you buy.
Usually covered
Up to your limit of indemnity, subject to terms- Third-party injuryBodily injury to others
- Third-party propertyDamage to others' property
- Legal defence costsLawyers and court costs
- Financial loss claimsFor professional indemnity
- Product claimsInjury or damage from your products
- Directors' liabilityPersonal cover for D&O
Usually not covered
Common exclusions across most plans- Deliberate wrongdoingFraud or intentional acts
- Fines & penaltiesWhere not insurable by law
- Contractual liabilityBeyond what you'd owe by law
- Known claimsClaims known before cover started
- Your own propertyCovered by property insurance
- Injury to employeesNeeds employees' compensation cover
Get covered in four steps
- 1Tell us what to coverTell us what your business does, its turnover and the limit you need.
- 2Get quotesAn advisor collects the underwriting details and asks our partner insurers to quote.
- 3Share details & KYCAdd the details the insurer needs and complete KYC with your PAN.
- 4Get your policyYour advisor helps you finish, and the policy reaches your email.
How to make a claim
We help with every claim, from the first notice to settlement.
Liability claim
The insurer defends and settles within your limit- 1Tell the insurer, or us, as soon as you receive a claim or notice
- 2Don't admit liability or settle without the insurer's consent
- 3Share the notice, contracts and records with the insurer
- 4The insurer handles the defence and pays settlements within the limit
Check the policy basis
Some liability policies cover claims made during the policy period, others cover incidents that happen during it. Check your policy's basis and any retroactive date.
Keeping cover continuous protects your retroactive date.
Our general insurance partners
See all partners- ICICI Lombard
Products and availability vary by insurer.
Liability insurance FAQs
Which liability cover does my business need?
It depends on what you do. Businesses with visitors often need public liability, manufacturers and sellers need product liability, and professionals such as doctors, architects and consultants need professional indemnity.
What is D&O insurance?
Directors and officers liability protects the personal assets of directors and senior managers if they are sued for wrongful acts in running the company.
What is a retroactive date?
The date from which past acts are covered under a claims-made policy. Renewing without a break keeps that date.
Are legal costs included?
Most liability policies pay defence costs, either within or in addition to the limit of indemnity. Check your policy schedule.
How do I choose a limit of indemnity?
Consider the size of possible claims, what your contracts ask for and any legal requirements. An advisor can help you compare options.
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