General Insurance · advanced
Liability Insurance
Liability insurance for businesses: public liability, product liability and commercial general liability covers, and how third-party claims are notified, defended and settled.
- 01Public Liability InsuranceWhat public liability insurance covers, how the compulsory cover under the Public Liability Insurance Act, 1991 differs from voluntary cover, and how claims-made wording, defence costs and the usual exclusions work.
- 02Product Liability InsuranceProduct liability insurance: whose liability it covers, the kinds of defect, the Consumer Protection Act, 2019 provisions behind it, claims-made cover and continuity, territory for exports, and why recall costs sit outside the standard policy.
- 03Commercial General Liability (CGL)Commercial General Liability: the covers it combines in one policy, what completed operations and personal and advertising injury mean, the usual exclusions for employees, pollution and cyber, and how the aggregate limit works.
- 04Liability Insurance Claims & DisputesHow a liability claim differs from a property claim, and the clauses that shape it: no admission, conduct of the defence, claims-made reporting and the extended reporting period, defence costs, the hammer clause and subrogation.