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Industrial Risks and Non-industrial Risks

Industrial Risks and Non-industrial Risks

There are two types of Public Liability insurance policies – Industrial and Non Industrial Risks. Industrial Risk Policies cover the risks arising in manufacturing premises including godowns, warehouses etc., forming part thereof.

Non Industrial Risks comprise of risks arising out of the following establishments:

(a) Hotels, Motels, Club Houses, Restaurants etc.

(b) Cinema Halls, Auditoriums and similar public places

(c) Residential premises

(d) Office or administrative premises, medical establishments, airport premises etc.

(e) Schools, Educational Institutions, Libraries

(f) Exhibitions, fairs, stadia

(g) Amusement parks

(h) Film studios

(i) Depots, Warehouses, Godowns, Shops, Tank farms and similar other non industrial risks

Insurance
[Post Image Courtesy of Jim1366 at FreeDigitalPhotos.net]

Coverage

The coverage under the policy includes the following indemnities:

(a) Legal liabilities

(b) Other than liabilities under the Public Liability Insurance Act or any other statute

(c) Compensation including claimant’s costs, fees and expenses

Insurance Law And Practice - ICSI

About Author Mohamed Abu 'l-Gharaniq

when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries.

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