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Product Liability Insurance

Today’s business world is much different than in the past when things were a lot simpler and life was less complicated. There were your basic products for everyday living and named brands you came to depend on. Now, there is a vast array of products to choose from all competing for the same consumers, and businesses have to protect themselves in the event of unforeseen circumstances. When you think of your product, do you think of all the implications that can arise from its use? Mishaps like property damage and injury arising from the use of your products is quite possible. Future Generali's Product Liability Insurance offers to indemnify the legal liability that you may incur as a result of bodily injury or property damage caused by the use of your products after they are sold or supplied.

What’s Covered

  • This policy covers all sums (inclusive of defence costs) which the insured becomes legally liable to pay as damages as a consequence of accidental death/ bodily injury or disease to any third party, accidental damage to property belonging to a third party, arising out of any defect in the product manufactured by the insured and specifically mentioned in the policy after such product has left the insured's premises.

  • The policy offers the benefit of retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier period after first inception of policy, also become payable.

What's Not Covered
  • Pure financial loss such as loss of goodwill

  • Arising out of fines ,penalties other punitive damages

  • War and nuclear group of perils

  • Damage to property belonging to you or held in trust by you

  • Arising out of deliberate disregard of insured's guidelines regarding use of product

  • Injury to any person in contract or connected in employment with insured

Disclaimer The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.