Protect Your Business
From Third-Party Risks
Comprehensive Public Liability Insurance protecting your business from third-party bodily injury, property damage, legal liabilities and financial losses.
Advisory & Risk Analysis
Custom property damage and bodily injury liability plans designed to align with premium international corporate safety standards.
Business Liability Journey
Educating businesses on litigation risks before policy structuring.
Business Opens
Foundational launch phase
Customers Visit
Public footfalls commence
Daily Operations
Complex facility operations
Unexpected Incident
Slip, fall, or property damage
Legal Notice
Lawsuit claims served
BP & AF Protects
Broker manages legal defense
Interactive Liability Risk Assessment
Answer a few questions regarding your business premises to calculate your live risk score and receive strategic recommendations.
Risk Profile ParametersInteractive Wizard
Premises Liability Risk Score
Your business category and footfall configuration matches a moderate exposure rating.
Based on moderate customer footfalls and public interaction levels. Standard commercial premises liability limits apply.
Liability Protection Builder
Fine-tune liability coverage caps, defense margins, and toggle optional extensions.
Select Business Class
Underwriting rules depend directly on business class exposures.
Manufacturing
Protects factories against visitor mishaps and loading accidents.
Retail & Showrooms
Covers customer slips, display falls, and showroom damages.
Hospitality & Hotels
Shields resorts against guest injuries, food contamination, and pool slips.
Healthcare & Labs
Covers visitor slips, clinical accidents, and facility damage claims.
Education & Schools
Protects campus blocks, student excursions, and school laboratories.
Commercial Offices
Covers client visits, delivery personnel accidents, and shared areas.
Shopping Malls
Shields operators against escalator slips, ceiling collapses, and food court issues.
Residential Societies
Covers visitor vehicle damages, elevator failures, and community lawn slips.
Logistics Warehouses
Protects storage depots against forklift hits, visitor mishaps, and loading bay drops.
Civil Contractors
Covers third-party injury during site construction or structural erection.
Event Organizers
Shields coordinators against fire, stampedes, and stage collapse liabilities.
Public Liability Cap
Industries We Protect
Standard third-party liability risk modeling built for key economic categories.
Manufacturing
Protects factories against visitor mishaps and loading accidents.
Retail & Showrooms
Covers customer slips, display falls, and showroom damages.
Hospitality & Hotels
Shields resorts against guest injuries, food contamination, and pool slips.
Healthcare & Labs
Covers visitor slips, clinical accidents, and facility damage claims.
Education & Schools
Protects campus blocks, student excursions, and school laboratories.
Commercial Offices
Covers client visits, delivery personnel accidents, and shared areas.
Shopping Malls
Shields operators against escalator slips, ceiling collapses, and food court issues.
Residential Societies
Covers visitor vehicle damages, elevator failures, and community lawn slips.
Logistics Warehouses
Protects storage depots against forklift hits, visitor mishaps, and loading bay drops.
Civil Contractors
Covers third-party injury during site construction or structural erection.
Event Organizers
Shields coordinators against fire, stampedes, and stage collapse liabilities.
Liability Strategy Advisory
Interactive Premises Visualizer
Click on different building zones to understand specific liability risks and covered insurance clauses.
Commercial Facility Map
Lobby Reception Slips & Falls
What's Covered (Core Benefits)
Standard third-party liability policies cover key litigation, medical, and settlement costs.
Third Party Bodily Injury
Covers medical expenses, hospitalization costs, and immediate emergency relief due to accidents on premises.
Third Party Death / Disability
Covers fatal accident compensation and permanent disability compensation claims awarded by courts.
Third Party Property Damage
Indemnifies physical damage caused to third-party assets, vehicles, or merchandise on your premises.
Legal Defence Costs
Covers lawyer fees, forensic investigator charges, and court representation fees incurred during defense.
Court Award Compensation
Covers legal compensation liabilities awarded against the business by civil courts.
Out-of-Court Settlement Expenses
Covers settlement fees negotiated with claimants under insurers' guidance to prevent litigation.
What's Not Covered (Standard Exclusions)
Standard exclusions apply universally across third-party liability schedules unless specifically endorsed.
Employee Bodily Injury
Injuries to employees or staff on duty are excluded (covered under Workmen Compensation policies).
Contractual Liability
Assumed liability under contractual agreements unless explicitly endorsed to the policy schedule.
Motor Vehicle Liability
Road accidents caused by commercial vehicles (covered under commercial motor policies).
Professional Negligence
Negligence in professional advice, design service, or audits (covered under Errors & Omissions / PI policies).
Intentional / Wilful Acts
Bodily injury or property damage caused deliberately by the insured or executive directors.
Unapproved Pollution
Seepage, chemical pollution, or contamination unless caused by a sudden, unintended, and accidental event.
War & Nuclear Perils
Physical or liability damages directly arising from hostilities, civil war, or nuclear radiation leaks.
Liability Claims Pipeline
BP & AF manages third-party claims from incident intimation to final settlement.
Incident
Third-party mishap occursIntimation
Notify broker desk in 24hDocument Submission
Medical records & legal noticeSurveyor Audit
Underwriter site investigationAssessment
Verification of compliance NOCsSettlement
Direct court/claimant compensationRequired Documents for Liability Claims
Keep these documents ready to ensure rapid claim review.
Legal Compliance Checklist
Check items below to calculate your premises compliance rating. Higher ratings minimize liability claims.
Premises Compliance Audit
50% RatingBusinesses Protected
Liability Placed
Claims Assistance
Support Network
Trusted by Facility Managers
Hear how B2B operators mitigate litigation risks using public liability covers.
“A visitor slipped on our polished lobby floor and sustained a fracture, claiming ₹18 Lakhs. BP & AF negotiated the settlement with the insurer and resolved it within weeks.”
Rohan Singhal
Director of OperationsApex Luxury Hotels & Resorts“A chemical pipeline leak damaged adjacent farmland. BP & AF's risk assessment and PL policy extensions covered the crop damages and legal defense costs completely.”
Dr. Arvind Mehta
Head of EHSMehta Chemical Processing Unit“Our mall's escalator malfunctioned, leading to minor injuries to 4 shoppers. The legal notices were handled smoothly under the Public Liability policy arranged by BP & AF.”
Shreya Ghoshal
Chief Risk OfficerCapital Retail Mall GroupWhy Choose BP & AF for Liability Risks
We represent your business balance sheet in front of underwriting panels to design tailored public, product, and contractual liability policy blueprints.
Risk Engineering Auditing
Detailed audits of public exposure safety parameters to reduce underwriters premiums.
Coverage & Clause Design
Unified industrial risks, PL Act limits, and cross liability scheduling.
Insurer Comparison panel
We pitch your risk rating to 12+ leading general insurers to optimize rates.
Claim Advocate Panel
Broker panel manages joint surveyor inspections and defense lawyers deployment.
Ready to Audit Your Liability Exposure?
Our risk advisory consultants can run a complete liability audit of your commercial spaces, canteens, and elevators to identify hidden claims exposure.
Liability Insurance FAQ
Search or select common questions regarding third-party liability risks.
Public Liability Insurance covers legal liability for accidental third-party bodily injury, death, or physical property damage occurring in connection with your business operations or premises.