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Public Liability Risk and Workmen's Compensation Policy

You can get your shopkeepers' insurance policy to cover you against legal liability due to accidental bodily injury to third parties, accidental loss, or damage to third party property? There's more to it.

Apnainsurance.com Research Bureau

23 Jan 2008

This section of the shopkeepers' insurance policy provides you cover against legal liability because of accidental bodily injury to third parties, accidental loss, or damage to third party property. It also provides cover for liabilities under the Workmen's Compensation Act 1923, Fatal Accidents Act 1855, and Common law to pay compensation to employees for bodily injury or death caused due to accidents or occupational diseases during the course of employment.


  • No claim will be entertained in the event of willful or intentional non-compliance of any statutory provision
  • No cover for fines, penalties, punitive, or exemplary damages
  • Claims arising as a result of natural calamities
  • Claims arising out of loss of pure financial nature, such as loss of goodwill, loss of market, and all consequential financial losses
  • Infringement of plans, copyright, patent, trade name, trade mark, registered design.
  • Claims arising out of all personal injuries such as libel, slander, false arrest, wrongful detention, defamation, mental injury, anguish, or shock
  • Claims arising out of residents, tenants, employees, and other permanent occupants of your premises
  • Claims in connection with any motor vehicles, watercraft and aircraft, unless specified in the policy
  • No cover for transportation of materials or hazardous/dangerous substances outside your premises

See also:

Money Insurance
Electronic Equipment / Reinstatement of Data and Software
Television, Video Equipment, Portable Computer, Mobile Phone
Electrical or Mechanical Appliances Breakdown
Business Interruption and Increased Cost of Working / Loss of Profit
Neon or Glow Signs
Plate Glass Coverage
Pedal Cycle Coverage
Baggage Coverage
Personal Accident Coverage
Fidelity Guarantee
Fire and Allied Perils
Burglary and Housebreaking

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