Liabilities Insurance in India
Protect Your Business from Legal and Financial Liabilities
No matter the size or type of business, legal claims and third-party risks are part of daily operations. From slip-and-fall accidents to product defects or professional negligence, even a minor oversight can result in costly lawsuits. With BTW IMF’s customized Liability Insurance plans, you can safeguard your business from potential legal and compensation claims.
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What is Liability Insurance?
Liability Insurance is a policy that offers financial protection to businesses against claims arising from injuries, property damage, or legal expenses caused to third parties due to business operations, products, or services.
It helps companies manage legal risks, build trust with clients, and ensure compliance with regulatory standards—especially important in client-facing and high-risk industries.
Get Expert Liability Insurance Advice
Secure your business from legal setbacks. Speak with our insurance advisors at BTW IMF to find the best liability coverage tailored to your business risks and budget.
Why is Liabilities Insurance Important?
Public Liability Insurance
Covers legal and compensation claims from third parties who suffer injury or property damage due to your business activities. Commonly required for offices, retail shops, restaurants, and manufacturers.
Product Liability Insurance
Protects against claims related to injury, illness, or damage caused by defective products sold or manufactured by your business. Especially important for FMCG, pharma, and electronics companies.
Professional Indemnity Insurance
Ideal for consultants, legal advisors, architects, IT service providers, and doctors. Covers legal expenses and settlements resulting from professional errors, omissions, or negligence.
Employer’s Liability Insurance
Covers compensation claims from employees for injuries, illness, or fatalities sustained during the course of work. Mandatory under Indian labor laws in certain sectors.
Directors and Officers (D&O) Liability Insurance
Protects company directors and key officers against claims of wrongful acts in their managerial capacity. Important for startups, listed companies, and NGOs.
Commercial General Liability (CGL)
A broad-form policy that covers bodily injury, property damage, personal injury (like defamation), and legal expenses from your business operations.
Cyber Liability Insurance
Offers coverage against data breaches, cyber-attacks, and liabilities arising from loss of personal or sensitive customer data.
Who Needs Liability Insurance?
- Doctors, chartered accountants, lawyers, and consultants
- IT companies, media agencies, and design studios
- Manufacturers, wholesalers, and exporters
- Educational institutions and NGOs
- Hospitality, healthcare, and retail businesses
If your business interacts with customers, provides services, or sells physical products, liability insurance is a critical risk management tool.
Key Features of Our Liability Insurance Plans
Why Choose BTW IMF?
Ready to insure your Liabilities Insurance? Contact us today at BTW IMF and let us find the best plan for you!
Frequently Asked Questions (FAQs)
Certain liability covers, like Workmen Compensation and Motor Third-Party Insurance, are legally mandatory. Others are voluntary but strongly recommended for risk management.
Public Liability only covers third-party bodily injury or property damage, while CGL offers broader coverage, including personal injury, advertising injury, and tenant liability.
Yes. BTW IMF offers low-premium liability policies for consultants, freelancers, and micro-enterprises in India.
Coverage limits depend on the nature of business, industry risks, revenue, and potential claim value. Our team can help assess the ideal sum insured for your needs.