THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
UPDATED AS ON 01.01.1998
PUBLIC LIABILITY
(Non-Industrial Risks)

SECTION 1
GENERAL RULES AND REGULATIONS
1. Applicability
This Agreement applies to non-industrial risks such as Hotels, Motels, Club
Houses, Restaurant, Boarding and Lodging Houses, Flight Kitchens, Cinema
Halls, Auditoriums, Theatres, Public Halls, Pandals, Open Air Theatres,
Residential Premises, Offices/ Administrative Premises, Medical
Establishments, Institutions, Airport Premises (other than aviation liabilities),
Schools/ Educational Institutions, Libraries, Exhibitions, Fairs and Fetes,
Stadiums and Pandals, Permanent Amusement Parks, Film Studios - Indoor
& Outdoor, Zoos, Depots, Warehouses, Godowns, Shops, Tank Farms and
similar other non-industrial risks with aggregate limits of indemnity any one
year/during the policy period upto the capacity of the Company under its net
retention and Automatic Reinsurance facilities.
Any proposals outside the scope of the Market Agreement may be considered by
the Companies on merits. Premium, rates and other terms and conditions for
such covers may be decided by the Companies and if required, in consultation
with their Reinsurers.
Risks which are not at present specified under the Market Agreement will be
rated by the Companies using the Market Agreement as guidelines for "like or
similar risks". In respect of risk for which there are no guiding Market
Agreement provisions, the same may be rated by the Companies at their end
without reference to GIC/Market Agreement Committee. Details of such
proposals, however, are to be sent to GIC for information only.
2. Effective date
This Agreement will come into force from December 1, 1991.
3. Standard Proposal Form
Insurer shall obtain duly completed Standard Proposal Form from the proposers
at inception and subsequent renewals. The specimen proposal form is
prescribed in the Market Agreement. No cover shall be granted unless a
declaration as provided for in the proposal form is obtained from the proposer to
the effect that all statutory requirements relating to the business activities
are complied with.
4. Standard Policy Form
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
All Policies fresh and renewals issued under this Agreement shall be in the
Standard Policy Form prescribed hereunder.
5. Liabilities Covered
Policies issued under this Agreement Cover all sums which the Insured becomes
legally liable to pay as damages to third party in respect of accidental
death/bodily injury/disease and loss of or damage to property arising out of claims
first made in writing against the Insured during the policy period including legal
costs and expenses incurred with prior consent of Insurers, subject always to the
limits of indemnity and other terms, conditions and exceptions of the policy.
It shall not be permissible to issue any Public Liability Insurance Policy with
unlimited liability. The ratio of limit of indemnity any one accident to any one
year shall not exceed 1:4.
6. Pollution Risks
Policies issued under this Agreement shall not include cover for Pollution risks
unless otherwise specifically included by endorsement prescribed hereunder and
additional premium as per Agreement collected thereof. Wherever applicable the
proposer shall furnish certificate/consent letter from the Pollution Control Board
granting permission to carry on their activities.
7. Cover for Multiple Units
It shall be permissible to insure various units situated at different locations under
single limits of indemnity per Any One Accident/Any One Policy period provided
appropriate premium is paid as per the Rating Schedule - Section II.
8. Extension sought under the main policy shall not have indemnity limit in
excess of the main cover.
9. Premium
The rates of premium under this Agreement are annual rates. Full premium under the
policy shall be paid at inception. It is not permissible to accept premium in
instalments.
Turnover figure wherever required shall be accurately assessed and declared by
the proposer at inception of the policy. In case the insured anticipates any
increase/decrease in turnover, during the policy period such fluctuations should be
immediately notified to the insurer and necessary adjustments made. Under no
circumstances it shall be permissible to adjust the premium for the turnover after
expiry of the policy.
10. Retroactive Date
Retroactive Date is the date when the risk is first incepted under a claims made policy
and thereafter renewed without break in the period of cover.
11. Revision in Limits of Indemnity
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
a) Mid-term increase/decrease in the limits of indemnity limit during the
currency of the policy period will be at the discretion of the Head Office of
the Company. Whenever changes in indemnity limits are agreed to, the
revised retroactive date showing indemnity limits available at various
dates shall be incorporated in the Policy Schedule.
If insured wish to seek protection for an anticipated liability in excess of
available limits of indemnity for past periods due to different retroactive dates
the Company may consider granting "run-off" cover based on merits of
each case. Rates, terms and conditions for such "run-off" covers may be
finalised by the Companies and if necessary, they may consult their
Reinsurers.
b) Similar procedure as detailed in the earlier para (para `a') shall be followed
whenever an insured changes his Insurers.
12. Compulsory Excess
All Policies issued under this Agreement shall be subject to compulsory excess of
1/4% of the limit of indemnity per any one accident subject to a minimum of Rs.
1000 (Rupees One Thousand only) and a maximum of Rs. 1,00,000 (Rupees One
Lakh only). The Insured shall bear this Compulsory Excess which is applicable to
both property damage claims and death/bodily injury claims inclusive of defence
costs
arising out of any one accident.
13. Voluntary Excess
The following discounts on the premium may be allowed for Voluntary Excess opted
by the Insured.
Voluntary Excess (Percentage
of Limit of Indemnity per any
one Accident) _ _ Discount (%) _
5 2.5
7.5 5.0
10 7.5
15 10.0
20 12.5
25 15.0
35 20.0
50 25.0
The Voluntary Excess shall be in addition to the Compulsory Excess and shall be
applicable to both property damage claims and/or death/bodily injury claims
inclusive of defence costs arising out of any one accident.
14. Short Period Premium
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
It shall not be permissible to issue Policies for periods more than 12 months. The
following short period scale of premium shall apply to (i) policies issued for periods
less than 12 months and (ii) policies cancelled during the currency at the request
of the insured subject to no claim:
Period _ _ Rate _
(Not exceeding)
1 week ........................ 10% of the Annual rate
1 month ........................ 25% of the Annual rate
2 months ........................ 35% of the Annual rate
3 months ........................ 50% of the Annual rate
4 months ........................ 60% of the Annual rate
6 months ........................ 75% of the Annual rate
8 months ........................ 85% of the Annual rate
Exceeding 8 months .............. Full Annual premium
In case turnover declared relates to the period of cover selected the above short
period scale will be applicable only on the indemnity premium and full turnover
premium should be charged. For annual policies cancelled during the currency at the
request of the insured, premium should be adjusted at the Short Period Scales for the
actual period of cover subject to no claims. No refund is permissible in case of any
claim under the policy.
The short period premium is subject to the minimum premium in the Rating
Schedule.
15. Third Party Liability Insurance in respect of lift(s) are to be issued on the policy
wording prescribed for Public Liability Insurance. The premium will be Rs. 3
per mille on the annual limit under the policy. The applicable excess will be
0.25% of AOA limit subject to minimum of Rs. 1,000/- and maximum of Rs. 1.5
lacs.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
PUBLIC LIABILITY AGREEMENT
(NON-INDUSTRIAL RISK)
SECTION - II
RATING
The various covers falling within the scope of this Market agreement have
rating structure depending on two main components viz., Limit of indemnity
opted under the policies and estimated annual turnover, as provided for and
explained in Tables forming part of this Market Agreement.
The basic rate depends upon Risk Group (as given in relevant sections based on
(i) type of construction of the Risk and/or occupancy/storage
(as per Annexure A & B)
(ii) the ratio of limits of indemnity of any one accident to any one year
selected.
Classification of the construction is applicable to the main structure or premises
etc. However detached structures of inferior constructions outside 15 metres of
the main structure shall not affect the classification of construction.
Additional premium :
For premises having height of more than 22 metres - 10 pct of the applicable
indemnity premium should be charged.
For lift/s - 10 pct of indemnity premium.
(Additional premium are not cumulative).
A. On Indemnity Limit per Any One Accident.
The basic rate depends upon (i) Risk Group and (ii) the ratio of limits of
indemnity of any one accident to any one year selected.
The basic rate (applicable per mille) for the ratio of limits of indemnity of
any one accident to any one year will be as given under
TABLE - 1
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THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Risk Ratio of Indemnity AOA to AOY
Group ----------------------------------------------------------
1 : 1 1 : 2 1 : 3 1 : 4
---------------------------------------------------------------------
1 0.15 pm 0.22 pm 0.27 pm 0.30 pm
2 0.18 pm 0.26 pm 0.32 pm 0.36 pm
3 0.21 pm 0.30 pm 0.37 pm 0.42 pm
4 0.24 pm 0.34 pm 0.42 pm 0.48 pm
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To arrive at the final rate, the above basic rate is to be multiplied by the
applicable multiplier as per the following table of limit of indemnity per any
one accident opted.
TABLE - 2
LIMIT OF INDEMNITY AND MULTIPLIER THEREOF
-----------------------------------------------------------------------------------------------------
Limit of Indemnity Multi Limit of Indemnity Multi
per any one accident plier per any one accident plier
(Rs. in lacs) (Rs. in lacs)
-----------------------------------------------------------------------------------------------------
Upto 10 28 Upto 350 - 1st 300 18
Next 50 17
Upto 25 - 1st 10 28 Upto 400 - 1st 350 17
Next 15 26 Next 50 16
Upto 50 - 1st 25 26 Upto 450 - 1st 400 16
Next 25 25 Next 50 15
Upto 75 - 1st 50 25 Upto 500 - 1st 450 15
Next 25 24 Next 50 14
Upto 100 - 1st 75 24 Upto 600 - 1st 500 14
Next 25 23 Next 100 13.5
Upto 150 - 1st 100 23 Upto 700 - 1st 600 13.5
Next 50 21 Next 100 13
Upto 200 - 1st 150 21 Upto 800 - 1st 700 13
Next 50 20 Next 100 12
Upto 250 - 1st 200 20 Upto 900 - 1st 800 12
Next 50 19 Next 100 11
Upto 300 - 1st 250 19 Upto 1000 - 1st 900 11
Next 50 18 Next 100 10
The final rate so arrived at is to be applied on the limit of indemnity per any
one accident.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Multiple units covered under Single Indemnity Limit:
If more than one unit/establishment of the insured, located at different sites is to be
covered within one single overall Indemnity Limit per any one accident/any one
year under the policy, the premium on Indemnity Limits (vide "A" above) shall be
multiplied by the following multipliers :
TABLE - 3
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No. of | Ratio of Limits of Indemnity AOA to AOY
Locations |--------------------------------------------------------------
| 1 : 1 1 : 2 1 : 3 1 : 4
---------------------------------------------------------------------------
1 1.0 1.0 1.0 1.0
2 1.35 1.5 1.6 1.75
3 1.50 1.7 2.0 2.2
4 1.65 1.9 2.25 2.5
5 1.8 2.05 2.5 2.8
6 1.9 2.15 2.65 3.0
7 1.95 2.25 2.75 3.2
8 2.0 2.35 2.85 3.35
9 2.0 2.45 2.95 3.45
10 2.0 2.5 3.00 3.50
11 2.0 2.5 3.05 3.55
12 2.0 2.5 3.10 3.60
13 2.0 2.5 3.15 3.65
14 2.0 2.5 3.15 3.70
15 & above 2.0 2.5 3.15 3.75
----------------------------------------------------------------
If the units/establishments belong to different risk groups the premium on
indemnity limits vide "A" above shall be based on the highest risk group.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
TABLE 4
LOADING ON TURNOVER
(For Risk Group 1)
-----------------------------------------------------------------------------------------------
Annual Turnover Premium
------------------------------------------------------------------------------------------------
First Rs. 1 crore Rs. 1000 (min.)
Exceeding Rs. 1 crore but not Rs. 1000 + 0.07%* on the excess
exceeding Rs. 5 crores over Rs. 1 crore
(Next Rs. 4 crores)
Exceeding Rs. 5 crores but not Rs. 3800 + 0.06%* on the excess
exceeding Rs. 10 crores over Rs. 5 crores
(Next Rs. 5 crores)
Exceeding Rs. 10 crores but not Rs. 6800 + 0.05%* on the excess
exceeding Rs. 50 crores over Rs. 10 crores
(Next Rs. 40 crores)
Exceeding Rs. 50 crores but not Rs. 26800 + 0.04%* on the excess
exceeding Rs. 100 crores over Rs. 50 crores
(Next Rs. 50 crores)
Exceeding Rs. 100 crores but not Rs. 46800 + 0.03%* on the excess
exceeding Rs. 250 crores over Rs. 100 crores
(Next Rs. 150 crores)
Exceeding Rs. 250 crores but not Rs. 91800 + 0.02%* on the excess
exceeding Rs. 500 crores over Rs. 250 crores
(Next Rs. 250 crores)
Exceeding Rs. 500 crores Rs.141800 + 0.01%* on the excess
over Rs. 500 crores
---------------------------------------------------------------------------------------------------
The above Table is applicable for Risk Group 1. For Risk Groups 2, 3 and 4
the premium as per Table 4 above shall stand increased as under :
RISK GROUP _ PREMIUM _
2 110% of Group 1 premium
3 120% of Group 1 premium
4 140% of Group 1 premium
If more than one unit/establishment situated at different locations, is covered under
one single Indemnity Limit under the Policy, separate loading on Turnover shall be
applied as above for each unit/establishment depending
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
on the Risk Group or on the total turnover treating the risk under the highest Risk
Group applicable whichever is favourable to the Insured.
For the purpose of applying Turnover loading, if turnover of such units/establishments
is not ascertainable separately the premium for such units/establishments shall be
calculated at the rates applicable to the highest Risk Group.
Transportation Cover :
It is permissible to extend the policy to cover transportation by collecting addition
premium as below :
When transportation limits sought are less than the Sum Insured under the policy and
form part of the Premises Indemnity granted, then 50% of the premium applicable to
the premises indemnity limit shall be applied to the limit chosen for transportation in
the proportion that the premises limit of indemnity bears to the transportation limit of
indemnity. If the transportation limits sought :
(a) are more than the limit of the Premises Risks or
(b) the ratio of AOA to AOY required for transportation risks are different from those
opted for the premises risks or
(c) transportation cover is required without premises cover.
then a separate policy may be issued for transportation collecting 100%
as applicable.
Act of God Perils :
Additional Premium will be as under, depending on the Seismic Zones in which the
Risk is situated :
Zone 1 - 10 pct on gross premium
2 - 7.5 pct - " -
3 - 5 pct - " -
4 - 2.5 pct - " -
If more than one unit/establishment, situated in different Seismic Zones
are covered under one Policy, additional premium will be charged
depending on the risk attracting the highest rate.
For Hotels/Motels/Club Houses/Restaurants/Boarding and
Lodging Houses/Guest Houses including Flight Kitchens
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Basic Rates for Class I and Superior construction will be as per Risk Group I of
TABLE 1 and for CLASS II constructions as per RISK GROUP 2 of TABLE 1.
The basic rate as above should be multiplied by applicable multiplier as per TABLE
2 depending on the Any One Accident limit under the policy. The resultant rate
should be applied on the AOA limit under the policy to arrive at the indemnity
premium
under the policy.
LOADING ON TURNOVER :
In addition to the premium on Indemnity as above loading on turnover as
shown in Table 4 shall be charged on the previous year's gross annual
turnover or the current year's projected annual turnover whichever is
higher. The term TURNOVER shall mean `all revenue earned through
occupancy in the hotel, sale of food and beverages including liquor,
conferences, marriage parties, outside catering, rental received from
shopping arcades, revenue earned from guests for using hotel facilities and
sale across the counter and other miscellaneous incomes including all levies,
taxes and surcharges.
The Policies envisaged under the Market Agreement can be extended to
cover following risks :
(a) Valuables under Care, Control and Custody
(b) Food and Beverages
(c) Extra facilities such as health clubs, beauty parlours
shops swimming pools, indoor and outdoor sports:
(d) Aqua Sports facilities
(e) For inclusion of Skydiving, Skiing and hang gliding
Above additional premiums are to be calculated separately on Indemnity Premium
and not on cumulative basis. The additional premium may be calculated as under :
50% of the premium applicable to the premises limit shall be applied to the limit
chosen for the concerned extension in the proportion that the premises limit of
indemnity bears to the limit of indemnity selected for the extension. The premium
however shall in no case either be less than Rs. 250/- or exceed the amount
arrived at by applying the percentage premium stipulated in the Market
Agreement for limits of indemnity equal to those placed for the premises risk.
Premium as stipulated above shall be charged separately for each facility.
(f) Act of God Perils:
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Additional Premium will be as under, depending on the Seismic Zones in which
the Risk is situated :
Zone 1 - 10 pct on gross premium
2 - 7.5 pct - do -
3 - 5 pct - do -
4 - 2.5 pct - do -
If more than one unit/establishment, situated in different Seismic Zones
are covered under one Policy, additional premium will be charged
depending on the risk attracting the highest rate.
(g) Pollution extra:
When the policy is extended to cover the risk of Accidental Pollution, the
following loading on total premium (Indemnity premium + Turnover loading)
shall be applied :
Risk Group 1 10 pct of total premium
2 15 - do -
3 30 - do -
4 50 - do -
Compulsory Excess : 0.25 pct of AOA limit subject to
minimum of Rs. 1000/- and
maximum of Rs. 1,00,000/-.
Minimum Premium under the Policy should be Rs.1000/-.
CINEMA HALLS/AUDITORIUMS/THEATRES/OPEN AIR
THEATRES/PUBLIC HALLS
Basic Rate for risks situated in Class I and Superior Constructions will be as per
RISK GROUP I of TABLE I, which should be multiplied by applicable multiplier
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
as per TABLE II depending on Any One Accident limit under the policy. The
resultant rate should be applied on Any One Accident Limit under the policy to arrive
at the indemnity premium.
In addition to the indemnity premium, loading at the rate of Re. 1/- per seat per head
should be charged according to seating capacity. Wherever seating capacity is not
determinable, double the indemnity premium should be charged.
For Risks situated in Class II constructions indemnity Premium arrived at for
Class I construction should be loaded by 10 pct and seating extra to be collected as
above.
For extending the policy to cover liabilities arising out of food and beverages supplied
by the Insured the additional premium may be calculated as under and suitable
Endorsement be made as provided for :
50% of the premium applicable to the premises limit shall be applied to the limit
chosen for the concerned extension in the proportion that the premises limit of
indemnity bears to the limit of indemnity selected for the extension. The premium
however shall in no case either be less than Rs. 250/- or exceed the amount
arrived at by applying the percentage premium stipulated in the Market
Agreement for limits of indemnity equal to those placed for the premises risk.
Minimum premium under the policy should be Rs. 1000/-.
Compulsory Excess: 0.25 pct of AOA limit subject to a minimum of Rs. 1000/-
and a maximum of Rs. 1,00,000/-.
OFFICE/RESIDENTIAL PREMISES/ADMINISTRATION
PREMISES/MEDICAL
ESTABLISHMENTS/RESEARCH INSTITUTIONS AND
LABORATORIES/AIR PORT
PREMISES
(other than Aviation Liabilities)
-----------------------------------------------------------------------------------------------------
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
The basic rate is to be arrived at treating the risks under Risk Group I of Table 1
which should be multiplied by applicable multiplier as per Table II depending on the
Any One Accident Limit under the Policy. The resultant rate should be applied on
the Any One Accident Limit to arrive at the indemnity premium.
For risks situated in Class I and Superior Construction the premium would be 25% of
the indemnity premium and for Class II construction 50% of indemnity premium
arrived as above.
Pollution Extension : for extending the policy to cover accidental pollution
additional premium of 10% on the above premium
should be charged.
Minimum premium under the Policy - Rs. 500/-
Compulsory Excess : 0.25 pct of AOA limit subject to a minimum
of Rs.1000/- and a maximum of Rs. 1,00,000/-.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
SCHOOLS/EDUCATIONAL INSTITUTIONS/PUBLIC LIBRARIES
The basic rate is to be arrived at by treating the risk under Risk Group I of Table 1
which should be multiplied by the multiplier as per TABLE II as applicable to Any
One Accident Limit under the Policy. The resultant rate should be applied on Any
One Accident Limit to arrive at the indemnity premium.
For risks situated in Class I and Superior Construction the indemnity premium would
be 25 pct of indemnity premium.
For risks situated in Class II construction the indemnity premium as per Class I risks
should be loaded by 10 pct.
In addition to indemnity premium, loading @ Rs. 1/- per non-resident student and Rs.
2/- per resident student should be collected.
If desired, the policy can be extended to cover Insured's legal liabilities to third
parties arising out of Food and Beverages supplied by them subject to consideration
of additional premium.
The policy can also be extended to cover Insureds legal liability arising out of
hazardous sports arranged by them subject to consideration of additional premium.
The additional premium for each extension may be calculated as under :
50% of the premium applicable to the premises limit shall be applied to the limit
chosen for the concerned extension in the proportion that the premises limit of
indemnity bears to the limit of indemnity selected for the extension. The premium
however shall in no case either be less than Rs. 250/- or exceed the amount
arrived at by applying the percentage premium stipulated in the Market
Agreement for limits of indemnity equal to those placed for the premises risk.
Minimum premium under the One Policy - Rs. 1000/-.
Compulsory Excess : 0.25 pct of Any One Accident limit subject to
minimum of Rs. 1,000/- and a maximum of
Rs.1,00,000/-.
*(Hazardous sports means mountain climbing, skydiving hang gliding, skiing
and aqua sports and similar other hazardous sports).
Students are treated as third parties under the policy but not the teachers and other
staff members who are employed by the Institutions.
Kidnapping of students are not covered under the scope of policy and specific
exclusion should be added when policies are issued.
EXHIBITIONS/FAIRS AND FETES/STADIUMS AND PANDALS
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
The basic rate will be as per risk GROUP IV of Table 1 which should be multiplied by
applicable multiplier as per TABLE II as applicable to Any One Accident limit
under the Policy. The resultant rate should be applied on the Any One Accident
Limit to
arrive at the indemnity premium.
No loading on turnover is applicable.
Minimum premium under the policy - Rs. 1000/-.
Compulsory Excess : 0.25 pct of Any One Accident limit subject to a
minimum of Rs. 1,000/- and a maximum of
Rs. 1,00,000/-.
PERMANENT AMUSEMENT PARKS
1) Premium on Indemnity Limit
The basic rate will be as per Risk Group IV of Table I which should be
multiplied by applicable multiplier as per Table II depending on the Any One
Accident limit under the policy. The resultant rate should be applied on the
Any One Accident limit to arrive at the indemnity premium.
2) Loading on Turnover
In addition to indemnity premium as per (1) above, loading on turnover as
shown in Table 4 shall be charged on the previous year's gross annual
turnover or the current year's projected turnover, whichever is higher. The
term turnover shall mean all gate-monies, hiring charges for various games
and facilities, hiring charges for the use of the premises paid by corporate
clients/film producers, etc. and levies and taxes applicable.
Minimum premium under the policy : Rs. 1000/-
Compulsory Excess : 1 pct of Any One Accident Limit subject to minimum of
Rs. 10,000 and maximum of Rs. 1,00,000.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
FILM STUDIOS - INDOOR AND OUTDOOR/CIRCUS/Z00
Basic Rate for Risk will be as per Risk Group IV of Table I which should be
multiplied by applicable multiplier as per TABLE II as applicable to Any One
Accident Limit under the Policy. The resultant rate should be applied on the Any One
Accident Limit under the Policy to arrive at the indemnity premium.
In case of Outdoor Film Shootings - 25% loading on the Indemnity premium.
In case of circus if annual policies are taken, cover will operate only when
the circus is located in a place. For covering liability arising while the circus
is on the move - 25% loading on the Indemnity premium should be charged.
Minimum premium under the Policy - Rs. 1000/-.
Compulsory Excess : 0.25 pct of Any One Accident limit subject to
a minimum of Rs. 1,000/- and maximum of
Rs. 1,00,000/-
DEPOTS/WAREHOUSES/GODOWNS/SHOPS/TANK FARMS
The basic rate is to be arrived at by treating the risk under the applicable Risk
Group which should be multiplied by applicable multiplier as per TABLE II as
applicable to the AOA limit under the policy. The resultant rate should be applied
on the indemnity limit for Any One Accident to arrive at the indemnity premium.
For determining the Risk Group of the premises for the purpose of rating, the
goods stored in the premises are classified as Non-hazardous, hazardous and Extra
hazardous as under:
For Superior & Class I Construction:
-----------------------------------------------------------------------------------------------------
Risk Shops/ Godowns Tank Farms
Group Depots Warehouses incl handling operations)
-------------------------- ----- ----------------- ------------- ------------------------------------
Non-hazardous I 50% of gross 50 pct of 100% of
premium i.e. in- indemnity indemnity
demnity + load- prem + 75 ps. premium +
ing on turnover per 1 cub. Turnover
as per Table 4 meter extra.
Hazardous III 50 pct. of gross 50 pct. of as above.
premium i.e. in- indemnity
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
demnity premium premium +
+ loading on 1.50 paise
turnover as per per 1 cub.
Table 4 meter
Extra Hazardous IV 50 pct of gross 50 pct of as above.
premium i.e. in- indemnity
demnity premium premium +
+ loading on Rs. 3/-
turnover as per per 1 cub.
Table 4 meter
For Class II Construction & Others :
-----------------------------------------------------------------------------------------------------
Risk Shops/ Godowns Tank Farms
Group Depots Warehouses (incl handling
operations)
------------------- ----------------- ------------- --------------------------------------------------
Non-hazardous I 75% of gross 75 pct of 100% of
premium i.e. in- indemnity indemnity
demnity premium prem + 75 ps.
loading on turnover per 1 cub.
as per Table 4 meter extra.
Hazardous III 75 pct. of gross 75 pct. of as above.
premium i.e. in- indemnity
demnity premium premium +
+ loading on 1.50 paise
turnover as per per 1 cub.
Table 4 meter
Extra Hazardous IV 75 pct of gross 75 pct of as above.
premium i.e. in- indemnity
demnity premium premium +
+ loading on Rs. 3/-
turnover as per per 1 cub.
Table 4 meter
In case, more than one location is to be covered under single policy location extra
as provided for in Table 3 should be charged. Rating will depend on the highest
category of risk covered under the policy. Cubic mtr. extra is applicable for all
locations covered under the policy.
If pollution risk is to be covered the additional premium at following rates should be
charged:
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Risk Group I - 10 pct of total premium
III - 30 pct of total premium
IV - 50 pct of total premium
Note: In case one hirer wants cover for part space occupied by him, full premium
as applicable to godown should be charged.
Minimum premium under the Policy - Rs. 500/-.
Compulsory Excess : 0.25 of Any One Accident limit subject to a minimum of
Rs.1000/- and a maximum of Rs.1,00,000/-
6. CONTRACTORS FOR MAINTENANCE JOBS
The basic rate will be as per Risk Group of the premises on which the job is carried
out (as per Table I) which should be multiplied by the applicable multiplier (as per
Table II) as applicable on the AOA Limit under the policy plus turnover extra on
Contract Value as per Table 4.
Location extra as per Table 3 should be charged wherever applicable.
Minimum premium under the policy - Rs. 500/-
Compulsory Excess - 0.25 pct of AOA limit subject to a minimum of
Rs.1000/- and a maximum of Rs. 1,00,000/-
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
PROPOSAL FORM FOR PUBLIC LIABILITY INSURANCE
(For non-industrial risks)
Liability of the company does not commence until the proposal has been accepted and
the premium paid
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THE TERRITORIAL LIMIT AS APPLICABLE TO THIS POLICY IS ANYWHERE
IN INDIA
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All questions should be answered with respect to each unit/establishment.
1. Name of the proposer (in full)
2. Address of the proposer
3. Address of each of the premises and/or
chain of establishments to be insured
1.
2.
3.
4.
5.
4. Full description of each of the premises
a) Type of construction
b) Age of the building
c) No. of floors and height of the building
which floor is occupied by you?
d) Details of other occupants
e) Details of the lifts, elevators, escalators etc.,
please specify make and capacity.
f) Activities being carried on in the premises
5. a) Are the premises/equipments/
machineries in sound condition of repair,
b) Details of surrounding areas/property.
6. Have you complied with all statutory rules/
regulations pertaining to the premises and
your business activities:
7. a) Does the premises have boundary/fencing:
b) Security/safety arrangements?
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
c) Details of systems provided for
prevention of fire, explosion etc.,
d) Details of emergency plan' if any:
8. Do you handle or use or store gases/hazardous/
toxic/radioactive materials and/or equipments
in the premises. If yes, please give details
of max. capacity stored/used/handled at a time.
9. Please give the claims history for the
last three years in the following format:
Year 20 20 20
No. of claims - - -
Total amount paid Rs. Rs. Rs.
Bodily injury
Property damage
Cost of Defence actions
Total amount of pending claims
Bodily injury
Property damage
Cost of Defence action
10. Has your proposal or renewal been declined or
premium been increased or special terms has
been imposed by any insurer in the past?
11. Please indicate the limits of indemnity required
a) Any one accident
b) Any one year
12. Policy period required - From _________
To _________
As the case may be include questions relevant to the particular risk.
13.
14.
15.
I/We desire to effect an insurance in terms of the public liability policy of the
company against the limits of indemnity specified above. I/We hereby declare
that all statutory provisions relating to my/our business proposed for insurance are
complied with. I/We further declare that the above statements and particulars are
true, and I/We have not omitted, suppressed, misrepresented or misstated any material
fact and I/We agree that this declaration shall be the basis of the contract between
me/us and the company, and be incorporated therein.
SIGNATURE OF THE PROPOSER
PLACE :
DATE :
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
SECTION 41 OF INSURANCE ACT 1938
PROHIBITION OF REBATES
1. No person shall allow or offer to allow either directly or indirectly as an
inducement to any person to take out or renew or continue an insurance in respect
of any kind of risk relating to lives or property in India any rebate of the whole or
part of the Commission payable or any rebate of the premium shown on the
policy nor shall any person taking out or continuing a policy accept any rebate
except such rebate as may be allowed in accordance with the prospectus or
tables of the Insurer.
2. Any person making default in employing with the provisions of this section shall
be punishable with fine which may extend to five hundred rupees.
FOR HOTELIERS/MOTELS/CLUB HOUSES/RESTAURANTS
13. i) Max. no. of beds
Average occupancy per year
Max. seating capacity of
conference halls/rooms. night clubs,
discotheques if any, and floor on
which they are located.
No. of restaurants and seating capacity in each
restaurant.
ii) What are the other facilities provided:
a) Please specify whether any of these
facilities is operated and controlled
by you -
e.g. Health clubs
Beauty parlours
Hair dressers
Shops
Swimming pools (life guards provided or not)
Sports (please specify )
(a) Indoor (Table Tennis, Squash, Bowling etc)
(b) Outdoor (Boating, Tennis, Golf, Swimming etc.)
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
(c) Aqua Sports (Boating, Deep Sea-Diving etc.)
(d) Skiing, Hang Gliding, Sky Diving
Whether the above facilities are available to
residents only and their guests or also available
to club members and their guests.
b) Other facilities (e.g. car parking)
please specify and give details of
security measures where applicable.
c) Do you have a separate strong-room/cloakroom to
store items deposited by bonafide residents/guests
for safe keeping.
Please specify records maintained in respect of
items so deposited and the special security
arrangements for this room.
14. Do you need cover against risks associated
with foods beverages served in/by your establishment?
15. State the Estimated Annual turnover revenue receipts:
Please include all revenue earned through occupancy in the
hotel, sale of food and beverages including liquor,
conferences, marriage parties, outside catering, rental
received from shopping arcades, revenue earned from guests
for using hotel facilities and sale across the counter and
other miscellaneous incomes including all levies, taxes and
surcharges).
16. Do you require extension of cover for goods on your
care/custody/control (extension limited to 10% of the
overall limit of indemnity as per question 11.)
17. Please indicate the voluntary excess % of limit of
(this excess will apply to each and indemnity per
every claim) accident.
CINEMA HALLS, AUDITORIUMS/THEATRES//OPENAIR THEATRES,
PUBLIC HALLS
13. What is the maximum seating capacity :
14. What are the other facilities provided. please specify
whether they are operated and controlled by you.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
a)
b)
c)
d)
e)
15. Do you need cover against risks associated with
food & beverage served in your establishment.
16. Specify Estimated Annual Turnover, (the term turnover
includes Gatemoney, Donor Cards, Income arising from other
facilities listed in Q.14 inclusive of all Taxes, Duties, Levies, Surcharges)
FOR OFFICES/RESIDENTIAL PREMISES/ADM.PREMSISES/MEDICAL
ESTABLISHMENTS/RESEARCH INSTITUTIONS &
LABORATORIES/AIRPORT PREMISES (OTHER THAN AVIATION
LIABILITIES) ETC.
13. Specify whether other facilities like Canteen,
Sports etc., provided (list out facilities)
14. Do you need cover against risks
associated with food and beverages served in
your establishment
FOR SCHOOLS/EDUCATIONAL INSTITUTIONS/LIBRARIES ETC.
13. No. of students and their age group
14. Whether hostel facility is provided
If yes, No. of rooms.
No. of inmates.
15. Are canteen facilities provided in
institution/hostel.
If yes, state whether they are hygienically maintained.
16. Do your need cover against risks associated with food and
beverages served in your institutions
17. Specify other facilities provided
a) Indoor Games;
b) Outdoor Games (like Mountain Climbing, Hang Gliding,
Horse Riding, Swimming etc.,) and whether such games
are taught under the supervision of trainers and/or
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
bodyguards.
18. a) No. of laboratories
b) Measures taken to prevent accident in laboratories
19. Whether outings are arranged by the school/college
If so, how often
Procedure for taking the students for such outings.
(educational tours may also be included here).
20. Teacher/Student Ratio:
FOR EXHIBITIONS/FAIRS/FETES/CIRCUSES/FILM STUDIOS (INDOOR
AND
OUTDOOR)/PANDALS/TOURNAMENTS/ZOOS/PERMANENT
AMUSEMENT PARKS
13. What is the maximum seating capacity/area occupied
14. What are the other facilities/games provided:
Please specify whether they are operated and
controlled by you :
a)
b)
c)
d)
FOR WAREHOUSES/GODOWNS/SHOPS/DEPOTS/TANK FARMS
13. i) What are the types of items likely to be
stored and/or sold in each of the premises.
ii) (a) Whether hazardous items like Chemicals/
Crackers/Explosives/Paints/Kerosene/
Lubricants/spirits etc., are likely to
be stored
(b) IF yes, specify maximum quantity and value of
each item stored and what is the value of
such hazardous items to total stock.
(c) Whether Municipal and other regulations
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
for such storage are complied with
14. In case of Warehouses/Godowns please state the
area occupied in cubic metres.
15. Details of Measures for prevention/Control of Fire
and/or explosion risks.
16. Is there any possibility of leakage of chemicals
and/or gas resulting into injury/damage to
Third Party:
If yes, give details of chemicals, quantity stored
and preventive measures taken to avoid such
occurrence.
17. Do you wish to cover Pollution risks?
18. Estimated Annual Turnover
(includes total sales/hire charges/rent earned
etc., including all taxes and levies).
PUBLIC LIABILITY POLICY
(FOR NON INDUSTRIAL RISKS)
OPERATIVE CLAUSE :
WHEREAS the insured named in the Schedule hereto and carrying on the business
described in the said Schedule has applied to THE ................. COMPANY
LIMITED (hereinafter called `the Company') for the indemnity hereinafter
contained and has made a written proposal and declaration which shall be the basis of
this contract and is deemed to be incorporated herein and has paid the premium as
consideration for or on account of such indemnity.
NOW THIS POLICY WITNESSETH that subject to the terms exceptions and
conditions contained herein or endorsed hereon the Company will indemnify the
Insured against their legal liability (other than liability under the Public Liability
Insurance Act, 1991 or any other Statute based on the doctrine of "No Fault liability")
to pay compensation including Claimant's costs, fees and expenses anywhere in India,
in accordance with Indian Law.
INDEMNITY:
The indemnity only applies to claims arising out of accidents occurring in the
insured premises during the period of insurance first made in writing against the
Insured during the policy period and the Insured is indemnified in accordance with
the Operative Clause for and/or arising out of injury and/or Damage but only against
claims arising out of or in connection with the business specified in the Schedule and
not against claims arising out of or in connection with
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
(a) Pollution howsoever caused unless specifically covered
(b) Any product
For the purpose of determining the indemnity granted
(a) `Injury' means death, bodily injury, illness or disease of or to any person;
(b) `Damage' means actual and/or physical damage to tangible property;
(c) `Pollution' means pollution or contamination of the atmosphere or of any
water land or other tangible property;
(d) `Product' means any tangible property after it has left the custody or control of the
Insured, which has been designed, specified, formulated, manufactured,
constructed, installed, sold, supplied, distributed, treated, serviced, altered or
repaired by or on behalf of the Insured but shall not mean food and beverages
supplied by or on behalf of the Insured primarily to the Insured's employees as a
staff benefit.
(e) `Policy Period' means the period commencing from the effective date and
hour and, terminating at midnight on the expiry date as shown in the Policy
Schedule.
(f) `Period of Insurance' means the period commencing from the retroactive date
and terminating on the expiry date as shown in the Policy Schedule.
(g) `Accident' means a fortuitous event or circumstance which is sudden, unexpected
and unintentional including resultant continuous, intermittent or repeated
exposure arising out of the same fortuitous event or circumstance.
3. (a) NOTIFICATION EXTENSION CLAUSE:
Should the Insured notify the Company during the Policy period in accordance
with General Condition 9.1 of any specific event or circumstance which the
Company accepts may give rise to a claim or claims which form the subject of
indemnity by this policy, then the acceptance of such notification means that the
company will deal with such claim or claims as if they had first been made against
the insured during the policy period. The extension under this Clause will be subject
to the maximum time limit laid down under the Indian LImitation Act in force from
time to time.
(b) EXTENDED CLAIM REPORTING CLAUSE :
In the event of non-renewal or cancellation of this Policy, either by the Company or
by the Insured, the Company will allow a time limit not exceeding 90 days from the
date of expiry or cancellation of the policy provided no insurance is in force during
this extended reporting period of the same interest, for notification of claims for
accidents which had taken place during the period of insurance but could not be
made during the policy period, provided, however, all claims made during the
extended reporting period shall be handled as if they were made on the last day of the
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
expiring policy period and are subject to the limits of indemnity and the terms,
conditions and exceptions of the policy.
4. INDEMNITY TO OTHERS:
The indemnity granted extends to:
4.1 officials of the Insured in their business capacity arising out of the performance
of their business or in their private capacity arising out of their temporary
engagement of the Insured's employees;
4.2 the Officers, Committees and members of the Insured's canteen, social, sports,
medical, fire fighting and welfare organisations in their respective capacities as
such;
4.3 the personal representatives of the estate of any person who would otherwise
be indemnified by this policy but only in respect of liability incurred by such
person.
5. CROSS LIABILITIES:
Each person or party indemnified is separately indemnified in respect of claims
made against any of them by any other person or party (other than the named
Insured) subject to Company's total liability not exceeding the limits of
indemnity stated in the Schedule of the Policy.
6. DEFENCE COSTS:
The Company will pay all costs, fees and expenses incurred with their prior consent
in the investigation, defence or settlement of any claim made against the Insured
and the costs of representation at any inquest, inquiry or other proceedings in
respect of matters which have a direct relevance to any claim made or which might
be made against the Insured, provided such claim or claims are the subject of
indemnity by the Policy. Such costs, fees and expenses are called `Defence Costs'.
7. INDEMNITY LIMITS:
Company's total liability to pay compensation, Claimant's costs, fees and expenses
and defence costs shall not exceed the indemnity limit stated in the Schedule.
Indemnity Limit for any one accident applies to any one claim or series of claims
arising from one originating cause. Indemnity Limit shall represent the total amount
of Company's Liability during the Policy period.
7.1 CLAIMS SERIES CLAUSE:
For the purpose of this policy where a series of and/or several bodily injuries
and/or property damages are attributable direct or indirectly to the same cause all
such bodily injuries and/or property damages shall be added together and all such
bodily injuries and/or property damages shall be treated as one claim and such claim
shall be deemed to have been made at the point in time when the first of the claims
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
was made in writing. There shall, however, be no coverage for claims made arising
from one specific cause which are made later than 3 years after the first claim of the
series.
7.2 COMPULSORY EXCESS:
The Insured shall bear a Compulsory Excess of 1/4% of the limit of Indemnity per
any one accident subject to a minimum of Rs. 1000 and maximum of Rs. 1,00,000/-.
This Compulsory Excess shall be applicable to both (a) death/bodily injury (b)
property damage, inclusive of defence costs arising out of any one accident. The
Company's liability shall attach for the claim in excess of such Compulsory Excess
(and Voluntary Excess, if any, opted by the Insured).
7.3 VOLUNTARY EXCESS:
In the event of the Insured opting, the policy shall be subject to a voluntary excess
as mentioned in the schedule. This voluntary excess shall be applicable to both
(a) death/bodily injury claims and (b) property damage claims, inclusive of defence
costs arising out of any one accident. The Company's Liability shall attach for the
claims in excess of such compulsory and voluntary excess.
8. EXCLUSIONS/EXCEPTIONS:
This Policy does not cover liability
8.1 assumed by the Insured by agreement and which would not have attached in the
absence of such agreement.
8.2 arising out of earthquake, earth-tremor, volcanic eruption, flood, storm, tempest,
typhoon, hurricane, tornado, cyclone or other similar convulsions of nature
and atmospheric disturbance
8.3 arising out of deliberate, wilful or intentional non-compliance of any
Statutory provision.
8.4 arising out of loss of pure financial nature such as loss of goodwill, loss of
market etc.,
8.5 (a) arising out of all personal injuries such as libel, slander, false arrest,
wrongful eviction, wrongful detention, defamation etc., and mental
injury, anguish, or shock resulting therefrom.
(b) infringement of plans, copyright, patent, trade name, trade
mark, registered design.
8.6 arising out of fines, penalties, punitive or exemplary damages or
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
any other damages resulting from the multiplication of compensatory
damages.
8.7 directly or indirectly occasioned by, happening through or in consequence of
war, invasion, act of foreign enemy, hostilities (whether war be declared or
not), civil war, rebellion, revolution, insurrection or military or usurped
power.
8.8 directly or indirectly caused by or contributed to by
(a) ionising radiations or contamination by radioactivity from any nuclear fuel or
from any nuclear waste from the combustion of nuclear fuel
(b) the radioactive, toxic, explosive or other hazardous properties of any explosive
nuclear assembly or nuclear component thereof.
8.9 This Policy does not cover liability for claims arising out of:
the ownership, possession of, use by or on behalf of the Insured of any motor
vehicle of trailer for which compulsory insurance is required by legislation
other than the following:
(a) claims caused by the use of any tool or plant forming part of or attached
to or used in connection with any motor vehicle or trailer;
(b) claims arising beyond the limits of any carriageway or thoroughfare caused by the
loading or unloading of any motor vehicle or trailer;
(c) claims for damage to any bridge, weighbridge, road or anything beneath caused by
the weight of any motor vehicle or trailer or of the load carried therein;
(d) claims arising out of any motor vehicle or trailer temporarily in the Insured's
custody or control for the purpose of parking.
8.10 transportation of materials and/or hazardous/dangerous substances outside
insured's premises unless specifically covered
8.11 the ownership, possession or use by or on behalf of the Insured of any aircraft,
watercraft or hovercraft
8.12 damage to property owned, leased or hired or under hire purchase or on loan
to the Insured or otherwise in the Insured's care custody or control other than
(a) premises (or the contents thereof) temporarily occupied by the Insured for
work thereon or other property temporarily in the Insured's possession for
work thereon (but no indemnity is granted for damage to that part of the
property on which the Insured is working and which arises out of such
work).
(b) employees' and visitors' clothing and personal effects.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
(c) premises tenanted by the Insured to the extent that the Insured would be
held legally liable in the absence of any specific agreement.
8.13 Injury and/or damage occurring prior to the Retroactive Date in the Schedule
Provided always that in the event of any injury or damage arising from continuous
or continual inhalation, ingestion or application of any substance following the
covered accident and where the Insured and Company cannot agree when the
injury or damage occurred, then
(a) Injury shall be deemed to have occurred when the claimant first consulted
a qualified medical practitioner in respect of such injury
(b) Damage shall be deemed to have occurred when it first became evident to
the claimant even if the cause was unknown.
8.14 The deliberate conscious or intentional disregard of the Insured's technical or
administrative management or the need to take all reasonable steps to prevent
claims.
8.15 Injury to any person under the contract of employment or apprenticeship with
the Insured their contractor(s) and/or Sub-Contractor(s) when such injury
arises out of the execution of such contract.
CONDITIONS:
9.1 The Insured shall give written notice to the Company as soon as reasonably
practicable of any claims made against the insured (or any specific event or
circumstances that may give rise to a claim being made against the Insured)
and which forms the subject of indemnity under this policy and shall give all
such additional information as the Company may require. Every claim, writ,
summons or process and all documents relating to the event shall be forwarded
to the Company immediately they are received by the Insured.
9.2 No admission offer promise or payment shall be made or given by or on behalf of
the Insured without the written consent of the Company.
9.3 The Company will have the right but in no case the obligations, to take
over and conduct in the name of the Insured the defence of any claims and
will have full discretion in the conduct of any proceedings and in the
settlement of any claim and having taken over the defence of any claim may
relinquish the same. All amounts expended by the company in the defence,
settlement of payment of any claim will reduce the limits of indemnity specified
in the Schedule of the policy.
In the event the Company, in its sole discretion chooses to exercise its right
pursuant to this condition, no action taken by the company in the exercise of
such right will serve to modify or expand in any manner, the company's
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Liability or obligations under this policy beyond what the Company's liability or
obligations would have been had it not exercised its rights under this condition.
9.4 The Insured shall give all such information and assistance as the
Company may reasonably require.
9.5 The Insured shall give notice as soon as reasonably practicable of any
fact, event or circumstance which materially changes the information supplied
to the Company at the time when this Policy was effected and the Company
may amend the terms of this policy according to the materiality of such
change.
9.6 The Company may at any time pay to the Insured in connection with any claim
or series of claims under this policy to which an Indemnity Limit applies the
amount of such Limit (after deduction of any sums already paid) or any lesser
amount for which such claims can be settled and upon such payment being
made the Company shall relinquish the conduct and control of and be under
no further liability in connection with such claims.
9.7 The Policy and the Schedule shall be read together as one contract and any
word or expression to which a specific meaning has been attached in any part of
this policy or the Schedule shall bear such specific meaning wherever it may
appear. The terms and exclusions of this Policy (and any phrase or word
contained therein) shall be interpreted in accordance with the Indian Law.
9.8 The Insured shall keep accurate record of annual turnover, which term shall
include all leviable duties and at the time of renewal of insurance declare such
details as the Company may require. The Company shall at all reasonable times
have full access to inspect such records.
9.9 If at the time of happening of any event resulting into a liability under this
Policy, there be any other public liability insurance or insurances effected by the
Insured or by any other person covering the same liability, then the Company
shall not be liable to pay or contribute more than its rateable proportion of such
liability.
9.10 This Policy does not cover liability which at the time of happening of any
event resulting into such liability, be insured by or would, but for the existence
of this policy, be insured by, any other Policy (but not Public Liability Policy)
or Policies, except in respect of any excess beyond the amount which could
have been payable under such Policy/Policies, had this Insurance not been
effected.
9.11 The Company may cancel this Policy by giving thirty days' notice in writing of
such cancellation to the Insured's last known address and in such an event the
Company will return a pro-rata portion of the premium (subject to a retention
of the minimum premium prescribed under the policy) for the unexpired part
of the Insurance.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
This Policy may also be cancelled by the Insured by giving thirty days' notice in
writing to the Company in which event the Company will retain premium at
short period scale provided there is no claim under the Policy during the
period of insurance. In case of any claim under the Policy, no refund of premium
shall be allowed.
9.12 In the event of Liability arising under the Policy or the payment of a claim
under this Policy, the limit of indemnity per any one year under policy shall get
reduced to the extent of quantum of liability to be paid or actual payment of
such claim. Under no circumstances it shall be permissible to reinstate the
aggregate limit of indemnity to the original level even on payment of extra
premium.
9.13 It is also hereby further expressly agreed and declared that if the Company shall
disclaim liability to the Insured for any claim hereunder and such claim shall
not within 12 calendar months from the date of such disclaimer have been made
the subject matter of suit in a court of law then the claim shall for all purposes
be deemed to have been abandoned and shall not thereafter be recoverable
hereunder.
9.14 The Company shall not be liable to make any payment under this Policy in
respect of any claim if such claim shall be in any manner fraudulent or supported
by any statement or device whether by Insured or by any person on behalf of the
Insured and/or if the insurance has been continued in consequence of any
material mis-statement or the non-disclosure of any material information by or
on behalf of the Insured.
9.15 Policy Disputes Clause:
Any dispute concerning the interpretation of the terms conditions limitations
and/or exclusions contained herein is understood and agreed to by both the
Insured and the Company to be subject to Indian Law. Each party agree to submit
to the jurisdiction of any Court of competent jurisdiction within India and to
comply with all requirements necessary to give such Court the jurisdiction. All
matters arising hereunder shall be determined in accordance with the law and
practice of such Court.
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
..................... Co.Ltd.
PUBLIC LIABILITY POLICY
(NON-INDUSTRIAL RISKS)
SCHEDULE
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| Name ________________________ Policy No. ______________
Insured|Address
_____________________________________________________________
| Description of the Risk _______________________________
| Location of the Insured Premises ______________________
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GEOGRAPHICAL LIMITS: NOT BEYOND THE INDIAN TERRITORIES
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POLICY PERIOD : From ________ (time) of __________(date)
To 12.00 midnight of ___________(date)
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| Any one accident Rs.________________
INDEMNITY |
LIMIT | Aggregate during the policy period Rs. _______
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RETROACTIVE DATE:
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Compulsory Excess |
(1/4 per cent of |
limit of indemnity |
per any one accident |
subject to minimum of |
Rs. 1,000/- and maximum |
of Rs. 1,00,000/- |
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VOLUNTARY EXCESS :
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PREMIUM Rs. (Min.premium Rs. )
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IN WITNESS WHEREOF the undersigned being duly authorised by the Company
and on behalf of the Company has hereunto set his hand at ................. this ........... day
of ........... 19
For The ............... Co.Ltd.
(Authorised Signatory)
Address of Policy Issuing Office :
________________________________
________________________________
________________________________
APPLICABLE TO HOTELS/MOTELS/CLUB HOUSES/RESTAURANTS
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
BOARDING AND LODGING HOUSES/FLIGHT KITCHENS
ENDORSEMENT NO. ____________ ATTACHED TO AND FORMING PART OF
POLICY NO. _____________
ENDORSEMENT FOR COVERING GOODS KEPT IN CUSTODY OF INSURED:
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NOTWITHSTANDING anything herein contained to the contrary and in
consideration of an additional premium of Rs. ______, it is hereby agreed and
declared that the Insurance under this policy shall extend to include legal liability of
the insured for loss/damage to property of residents/bonafide guests whilst they are
under care control and custody of the insured in the premises referred to in the
Schedule subject to limit of indemnity not exceeding the following which shall form
part of the overall limit of indemnity as mentioned in the Schedule of the policy.
Any one accident
Aggregate during the policy period
It is expressly agreed and understood that the cover granted under this endorsement
shall not apply to legal liability arising out of loss or damage to valuables of
residents/bonafide guests unless they are kept in the strong room/cloak room
maintained by the insured for safe keeping and the insured maintains proper records
showing the items deposited therein by each resident/bonafide guest. IN NO
CASE THE POLICY COVER LOSS OF MONIES, SECURITIES, DOCUMENTS
(INCLUDING CREDIT CARDS) AND PLANS.
Each claim under this extension shall be subject to an excess of 0.25% of any one
accident limit of indemnity specified in the Schedule of the policy subject to a
minimum of Rs.1000/- and a maximum of Rs. 1,00,000/-.
Also provided always that all other terms, conditions, provisos and exceptions of
the policy shall apply to this extension as if they have been incorporated herein.
Dated at __________ this _________ day of __________ 19 _____.
For and on behalf of
Authorised Signatory
APPLICABLE TO ALL NON-INDUSTRIAL RISKS EXCEPT SHOPS AND
GODOWNS
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
ENDORSEMENT NO. ______________ ATTACHED TO AND FORMING PART
OF
POLICY NO. ___________________
____________________________
Endorsement for covering food and beverages
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NOTWITHSTANDING anything herein contained to the contrary and in
consideration of an additional premium of Rs. __________ it is hereby agreed and
declared that the insurance under this policy shall extend to include legal liability of
insured for death and/or bodily injury and/or loss of or damage to or loss of use of
property arising out of poisoning by foreign or deleterious matter in food,
beverages and/or any other edible items supplied by the insured, provided always
that the insured shall take every possible precaution to prevent supply of any
food/beverages/edible items which are not in good condition or free from
contamination or fit for human consumption subject to limit of indemnity not
exceeding the following which shall form part of the overall limit as mentioned in
the schedule of the policy.
Any one accident
Aggregate during the policy period
Also provided always that all other terms, conditions, provisos and exceptions of
the policy shall apply to this extension as if they have been incorporated herein.
Date at ____________ this _________ day of ______ 19
For and on behalf of
Authorised Signatory
APPLICABLE TO HOTELS, MOTELS, CLUB HOUSES, RESTAURANTS,
BOARDING AND LODGING HOUSES, SCHOOLS, EDUCATIONAL
INSTITUTIONS.
ENDORSEMENT NO. __________ ATTACHED TO AND FORMING PART
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
OF POLICY NO. _______________ TO COVER LIABILITY ARISING OUT
OF ____________________________________
SPORTS FACILITIES COVERED BY THE INSURED AS LISTED BELOW:
Notwithstanding anything herein contained to the contrary and in consideration of an
additional premium of Rs. _________ it is hereby agreed and declared that the
insurance under this policy shall extend to include legal liability of the insured for
death bodily injury or loss of or damage to or loss of use of property arising out of
use of sport facilities subject to compliance of the conditions that:
i) the equipments are kept in a state of good and proper maintenance.
ii) adequate guards and experienced trainers are on duty, where
necessary.
iii) the premises/places used for sports/games are kept in a state of
proper maintenance.
subject to limit of indemnity not exceeding the following which shall form part of the
overall limit of indemnity as mentioned in the schedule of the policy.
Any One Accident _________________
Aggregate during the policy period _____________
Also provided that all other terms, conditions, provisos and exceptions of the policy
shall apply to this extension as if they have been incorporated herein.
Dated at _________ this _______ day of ______ 19 ___
For and on behalf of
Authorised Signatory
APPLICABLE TO ALL NON-INDUSTRIAL RISKS EXCEPT SHOPS AND
GODOWNS
ENDORSEMENT NO. ______________ ATTACHED TO AND FORMING
PART OF POLICY NO. ___________________
SWIMMING POOL EXTENSION
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
NOTWITHSTANDING anything herein contained to the contrary and in
consideration of an additional premium of Rs. __________ it is hereby agreed and
declared that the insurance under this policy shall extend to include legal liability of
the insured for death or bodily injury or loss of or damage to or loss of use of property
arising out of accidents (including accidents arising out of contamination of water) in
connection with the use of the Swimming Pool in the insureds premiums subject to
the compliance
of the following conditions:
i) Swimming Pools in hygienic conditions with regular
cleaning/maintenance
ii) Sanitary arrangements are proper
iii) Life guards/Attendants are on duty when the pools are in use
subject to limit of indemnity not exceeding the following which shall form part of the
overall limit of indemnity as mentioned in the schedule of the policy.
Any one accident
Aggregate during the policy period
Also provided always that all other terms, conditions, provisos and exceptions of
the policy shall apply to this extension as if they have been incorporated herein.
Dated at ____________ this _________ day of ______ 19
For and on behalf of
Authorised Signatory
APPLICABLE TO ALL NON-INDUSTRIAL RISKS EXCEPT SHOPS AND
GODOWNS
ENDORSEMENT NO. ______________ ATTACHED TO AND FORMING
PART OF POLICY NO. ___________________
OTHER FACILITIES EXTENSIONS COVERED BY INSURED AS LISTED
BELOW:**
NOTWITHSTANDING anything herein contained to the contrary and in
consideration of an additional premium of Rs. __________ it is hereby agreed and
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
declared that the insurance under this policy shall extend to include legal liability of
the insured for death or bodily injury or loss of or damage to or loss of use of property
arising out of accidents caused by the use of such facilities subject to the conditions
that:
i) the premises/places are kept in state of good repair/maintenance
ii) properly trained personnel take care of operation of such facilities
iii) the materials used are proper and free of defects
subject to limit of indemnity not exceeding the following which shall form part of the
overall limit of indemnity as mentioned in the schedule of the policy.
Any One Accident _________________
Aggregate during the policy period _____________
Also provided always that all other terms, conditions, provisos and exceptions of
the policy shall apply to this extension as if they have been incorporated herein.
Dated at ____________ this _________ day of ______ 19
For and on behalf of
** Name of facilities
Authorised Signatory
ENDORSEMENT TO BE ATTACHED TO AND FORMING PART OF
PUBLIC LIABILITY POLICY NO. _______________
NAME OF INSURED:
POLLUTION LIABILITY ENDORSEMENT
INDUSTRIAL SEEPAGE, POLLUTION AND CONTAMINATION
This Insurance does not cover any liability for:
1. Death or bodily injury or loss of, damage to, or loss of use of property directly
or indirectly caused by seepage, pollution or contamination, provided always
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
that this paragraph (1) shall not apply to liability for death or bodily injury or
loss of physical damage to or destruction of tangible property, or loss of use
such property damaged or destroyed, where such seepage, pollution or
contamination is caused by a sudden, unintended and unexpected happening
which takes place in its entirety at a specific time and place during the Policy
period.
2. The cost of removing, nullifying or cleaning-up seeping, polluting or
contaminating substances unless the seepage, pollution or contamination is
caused by a sudden, unintended and unexpected happening which takes place in
its entirety at a specific time and place during the Policy period.
3. Fines, penalties, punitive or exemplary damage.
This clause shall not extend this insurance to cover any liability which would not
have been covered under this Insurance had this clause not been attached, except in
so far as detailed herein.
This endorsement is granted in consideration of additional premium of Rs.
___________ subject otherwise to the terms, exceptions, conditions and limitations
of the within mentioned policy.
Dated at ____________ this ________ day of _________ 19 __
For and on behalf of
Authorised Signatory
ANNEXURE `A'
CLASSIFICATION OF CONSTRUCTION
(NOTE :THIS IS AS PER FIRE TARIFF)
CLASS OF WALLS ROOF AND INTERMEDIATE FLOORS CONSTRUCTION
Superior Framed structures of RCC or jack arch construction
supported on columns and beams
i) R.C.C. or of
ii) rolled steel a) RCC or
encased in 50 mm b) rolled steel encased in 50
thick concrete or mm thick concrete.
100 mm thick
masonry N.B.: In case of storeyed
with panel walls of RCC, structures, access stair
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
burnt bricks, stone or cases must be either of
concrete blocks bonded RCC or masonry
in cement and/or lime throughout.
mortar.
N.B.:
Door and window & ventilator
openings in external walls
must not exceed in the aggregate,
75% of the total area of the walls
and each opening must not be
larger than 10 sq.m. and there must
be at least 1 metre of wall construction
on all four sides in the case
of windows and on 3 sides in case of
doors and ventilators.
Conversely, at least one opening
measuring one square metre must be
provided for every 150 sq.metres of
the total external wall surface of
each storey.
NOTE 1: Wood work permitted only for :
i) Doors, windows, ventilators and sunshades;
ii) Internal partitions and framework of false ceiling for office
enclosures;
iii) Wooden floor laid on a structure as in (a) or (b) above without
intervening space.
NOTE 2: No combustible materials should be used in construction even in wall
linings, artificial ceilings or air-conditioning duct linings.
CLASS OF WALLS ROOF
CONSTRUCTION
Class I i) RCC, bricks, stone or concrete a) Any type of hard roof
blocks with or without frame- consisting of roof
work of unencased steel. tiles, cement sheets,
metal sheets or of
ceramic fuses.
ii) Brickwork with an outside b) Wooden shingles or
bracing of timber filled in wooden boardings
with brick (for earthquake superimposed with
protection) any of the above.
N.B. c) Soorkey, Chunam or
Cladding of gable ends with AC/CGI concrete laid on
sheets permitted, provided the tiles or stone
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
base of the cladding is atleast slabs.
4.5 m above the surrounding
ground level. d) North light roofs
with the sloping
portion constructed
as in (a) or
(b) above.
e) Roof as in superior
construction
superimposed with
thin layer of
grass, hay or reeds.
N.B: Use of Fibreglass
Reinforced Plastic(FRP)
or similar sheets is
permitted provided the
superficial area for
such sheets does not
exceed 2% of the superficial
area of the roof
and superficial area of
one sheet does not
exceed 3.7 sq.m.
Class II Any other construction. Any other construction.
ANNEXURE `B'
RISKS GROUP CLASSIFICATION
(NOTE: THIS IS AS PER FIRE TARIFF)
SCOPE:
The list classifies for Insurance purposes, materials and goods which are commonly
encountered in industry on the basis of their hazard evaluation. The classification
relates generally to storage risks.
This list does not include liquids, specifically. However, all flammable liquids have
been included in general by specifying the flash point range/limits.
MODE OF CLASSIFICATION
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
The materials have been classified into three categories having regard to their
properties. The following is a generic grouping of materials under the three
categories.
Category I
- Solids which are moderately or slightly combustible.
- Flammable liquids having flash point above 65*C.
- Oxidising agents which are not readily decomposable and weak
oxidising agents.
- Inert and non-combustible gases.
Category II
- Pyrotechnic materials.
- Solids which are not very ignitable nor very fast burning.
- Flammable liquids having flash point between 32*C and 65*C.
- Self ignitable materials,
- Easily decomposable oxidising agents and oxygen.
Category III
- Explosives.
- Materials which are self ignitable even in minute quantities.
- Solids which are easily ignitable or fast burning.
- Flammable liquids having flash point below 32*C.
- Materials which evolve combustible gases in contact with
water.
- Combustible gases.
The list under each category is not comprehensive and the non-appearance of an item
in the list does not necessarily mean that the item can be regarded as non-hazardous.
CATEGORY I
Accoroides Gums Arachis Oil
Accumulator Acid Arecanuts
Acenaphthene Arsenic Pentasulphide
Acetate Silk Arsenic Sulphide
Acetoacetanilide Artificial edible fat
Acetylene black Artificial horn
Acids (not otherwise Artificial leather
specifically provided for) Artificial silk
Acrylamide Artificial wool
Acrylic Acid Asafoetida (a gum resin)
Acrylic powder Asafoetida oil
Acrylic sheets Asphalt
Activated carbon Asphalted paper
Activated Manganese Balata
Agarbatti (Dhoop) Bamboo fibre/mats
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Agave fibres Banana fibre
Agerite powder Barium Carbonate
Algae Barium Chlorate
All flammable liquids having Barium Sulphide
a flash point above 65*C. Barley
Almond Oil Bed feathers (Down)
Alpha (Esparato grass) Beedi leaves
Aloe fibre in bales Beef tallow
Aloe resin Bees wax
Aluminium Chloride Beet sugar
Aluminium paste Benzoin (resin)
Aluminium resinate Benzoin (resinoid)
Amber Betal Nuts
Ammonia-acqueous soln. or Birch (bark) oil
spirits of ammonia Bisphenol
exceeding 30% concn.
Ammomium fluoride Bitumen/Bituminised craftpaper/felt
Anethole Blacks of all kinds
Animal black (not specifically provided for)
Animal fibres Borneo Camphor
Animal glue Borneol
Animal oil Borneo tallow
Animal protein Bornyl acetate
Animal skin Boron trichloride
Anime (a resin) Boron trifluoride
Anthracene Bran
Antimony sulphate Bran oil
Antimony sulphide Butter oil
Antimony trisulphate Butter fat
Antimony trisulphide Caesium perchlorate
Caffine (pure) Citronellal
Calcium Chloride Citronellol
Calcium Oxide Cloth, Asphalted
Calcium Sulphide Coalter and coal pitch
Camphene Coalter distillate
Camphor Cocoa beans
Candles Cocoa fat
Candle wax Cocoa oil
Canvas cloth Coconut fat
Capric acid Coconut oil
Caprolactum Cod-liver oil
Caprylic acid Coffee and substitutes
Carbazole Coir Fibre in pressed bales
Carbon Coir yarn
Carbon black Coke
Carbon paper Colamine, Colophony
Carbon tetrachloride Complex fertilizers
Carbonyl Copal
Carnauba wax Copper sulphide
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Car tyres Copra
Carvacrol Copra cake/meal
Cat-gut
Cordage
Castor oil Coriander oil
Cashew nuts Cork
Cassia leaves Cork wood
Caustic potash Corn oil
Caustic soda Cotton oil
Cedar wood oil Cotton seed/cake
Cellophane Cotton seed oil
Cellophane paper/tape Creosote
Cellulose Creosote oil
Cellulose acetate Cresidine
Cellulose acetate films Cresol
Ceresin wax Cresylic acid
Chaff Crotonic acid
Chine inset wax Croton oil
Chinese tallow Dammer resin
Chinese wood oil Decahydronaphthalene
Chip (particle) board Decalin
Chloral (D.D.T.) Decanal
Chlorowax Dextrin
Chocolates Diacetin
Chopped maize Diallyl phthalate
Cineol Diamyl phthalate
Cinnabar Diamyl sulphide
Citral Dibromodifluoromethane
Citric acid Dibutoxy tetraglycol
Dibutyl phthalate Gentac latex or vinyl pyridine latex
Dibutyl sebacate Geranial
Dibutyl tartrate Geraniol
Dichlorohydrin Geranium oil
Dicyclo-diepoxy-carboxylate Ghee fat
Dicyclohexylamine Glues of all kinds
Diethyl malonate Glycerine
Diethyl oxalate Goats wool
Diethyl phthalate Grain meal
Diethyl succinate Grass max
Dimethylcyanamide Grass weed
Dioctyl phthalate Grease, lubricating
Dried leaves of all kinds Groundnut oil
Dried milkpowder Groundnut shelled, cake, meal, oil
Dried potatoes Guaiacum resin
Dry fish Gums
Dyes of all kinds Gunnies (loose)
Earth wax Guttapercha
Edible fat Hair
Edible oil Hazel nut oil
Elemi oil Hempseed
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Epoxy resin Hempseed oil
Esparto Herbs, dried of all kinds
Ethoxy resins Hides
Ethyl sulphate Hides and skins
Eugenol Hog fat oil
Fats Husk
Feathers and down Hycol
Felt Hydrogen peroxide, under 30%
Fibres(vegetable)of all kinds Hydroquinone
Fibrous materials (animal) Hypnone
Fibrous materials(artificial) Ianone Beta
Fibrous materials(vegetable) Incense
Fibrous plants Indian wax
Fish guano/manure Indigo
Fish oil Iron powder
Flax Iron pyrites
Flowers dried of all kinds Iron sulphides
Foam rubber, freon Japan tallow
Furs (not specifically provided for)
Galalith Javelle water
Gamboge Kapok
Ganja Kapok oil/seed
Gases, inert and Kreolin
non-combustible Lactose
Gedda wax Lamp black
Gelatine Lanolin
Lard
Lard oil Nicotinic and Nicotine preparations
Lauryl Mercaptan Nicotine acid
Lavender oil Niobe oil
Lead acetate Nitrogen monoxide
Lead chromate Nitrous oxide
Leather Nut oil
Leaves, dried of all kinds Nylon
Lemon grass oil Nylon fibres and clean waste
Lime, unslaked in pressed bales
Linen Octadecanoic acid
Linoleum Octanoic acid
Linolic acid Octyl acetate
Linseed Oil of bay
Linseed, cake Oil of bitter almonds
Linseed oil Oil cake
Liquor ammonia Oil of mirbane
Magnesium Oil paper
Magnesium alloy Oil seed meal
Magnesium shavings Oilskin
Maize oil Oils, animal(not specifically provided for)
Maleic anhydride Oils, vegetable (not specifically
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Mannitol monolaurate provided for)
Margarine Oil of Wintergreen
Mastic Oleic acide
Mats of all kinds (synthetic Olein
or vegetable) Oleum
Menhaden oil Olive oil
Menthol Opium
Mesitylene Oxalic acid
Methyl bromide Palmarosa oil
Methyl cinnamate Palm oil/butter/fat
Middle oils Palmitic acid
Milk fat Palm kernel oil
Milk of sugar (Lactose) Paper, Asphalted, compressed, waxed,
Milk powder tarred and/or oiled.
Molasses Paper, loose
Molasses meal Paper yarn
Mowra flowers Para Amisidine
Mungo Para chloro aniline
Mustard oil Paraffin oil
Mutton tallow Paraffin wax
Myrrh Patent leather
Naphthalene Peanut (shelled)
Naphthylthiourea Peanut oil
Natural rubber Peat
Neat's foot fat Peat dust
Neat's foot oil Pectin
Neohexane Perilla oil
Paper insulation Lead Cable (PILC)
Petitgrain oil Resorcinol
Petroleum coke Rexin cloth
Petroleum jelley Ricinus oil
Phenoplasts Rock salt
Phorone Rosewood oil
Phosgene Rosin
Phosphonium lodide Rubber
Phthalic anhydride Rubber goods
Pig fat Rubber reclaims, rubber waste
Pine bark Saccharin
Pine pitch Saccharose
Pine tar oil Safrole
Piperazine Salicylic acid
Pitch Sandalwood oil
Plastic cloth Sandarac
Plastics of all kinds (not Sassafras oil
otherwise specifically Sawdust
provided for)
Pogy oil (Menhaden oil) Sealing wax
Polyacrylonitrile Seal oil
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Polyamides fibres Seeds of oil kinds (not otherwise
Polyamyl naphthalene specifically provided for)
Polyester Sesame oil
Polyester fibre Shale oil
Polyethylene Shark oil
Polymethacrylate Shavings, wood, paper
Polypropylene Shea butter
Polypropylene fibres Sheep's wool
Polystyrene, solid Shellac
Polyurethane Shody
Polyvinyl acetal Silk, natural
Polyvinyl chloride Sisal
Poppy seeds Skins and hides
Poppy seed oil Smoke cartridges
Potassium chromate Sodium chromate
Potassium Xanthate Sodium cyclamate
Potatoes (Dried) Soot
Pulegon Sorbic acid
Pumpkin oil Soya beans
Pyrogallol Soya bean oil, cake
Quinol Soya oil
Ramie Spermaceti
Rape oil Spermaceti oil
Red oil Spices
Reeds Sponges
Resinates Sponges U foam
Resins, natural and synthetic Spruce pitch
(Not otherwise specifically Spruce seed oil
provided for) Spruce wood pitch
Resorcinal
Rexin cloth
Spruce wood tar oil Tow (oakum)
Stand oil Tow of all kinds
Stannic chloride (anhydrous) Tricalcium phosphate
Starch Trisodium phosphate
Stearic acid Tung oil
Stearin Turkey red oil
Steel wool (fine) Tyres
Straw Urea
Strontium oxalate Uric acid
Strontium sulphide Valeric acid
Sugar Vaseline
Sulphur Vegetables (dried)
Sulphur chlorides Vegetables oils of all kinds
Sulphur trioxide (not specifically provided for)
Sun Floweroils, seeds Viscose and clean waste thereof in
Sweet almond oil pressed bales
Synthetic rubber Valume bark and or fibres in
Tall oil pressed bales
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Tallow Vulcanised fibre
Tallow oil Wax candles
Tan bark Wax of all kinds
Tar (all kinds), Tarpaulins Whale oil
Tarred cloth Wood, flour
Tarred felt/paper/rope/ Wood oil
string/twine
Tea Wood pulp(loose)
Teal oil Wood shavings
Tea seed oil Wood wool, compressed
Tempering oil Wool,loose
Terephthalic acid Wool fat
Tetra ethyl lead Xanthetic oxide
Thermocole Xylenol
Titanium tetrachloride Xylidine (o-)
Tobacco and its products Xanthogenale de potassium
Tobacco leaves Ylang-Ylang oil
Zirconium
XLPE
CATEGORY II
Accelerene Butyl nitrate
Acetyl peroxide Cadmium nitrate
All flammable liquids having Caesium peroxide
flash point between 32*C and Calamus oil
65*C (both inclusive) Calcium
Aloe fibres, loose Calcium aluminium hydride
Aluminium powder/dust Calcium amide
Aluminium carbide Calcium ammonium nitrate
Aluminium ferrosilioon Calcium bromate
Aluminium hydride Calcium chlorate
Aluminium nitrate Calcium cyanamide
Aluminium phosphide Calcium hypochlorite
Ammonium chromate Calcium nitrate
Ammonium cyanide Calcium perchlorate
Ammonium dichromate Calcium permanganate
Ammonium persulphate Calcium peroxide
Amphetamine Calcium phosphide
Amyl nitrite Calcium phosphite
Angelica oil Calcium resinate
Antimony pentasulphide Calcium silicide
Antimony pentoxide Camomile oil
Aqua fortis (Nitric acid) Canadian balsam
Aqua regia Caraway oil
Asafoetida oil when stored in
sealed tins or drums or in
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
bottles &/or in jars
Balsams Celluloid
Bamboos (whole) Celluloid films
Barium Cellulose nitrate silk
Barium azide Chile saltpeter
Barium chlorate/chlorite Chlorates (inorganic)
Barium chromate Chlorine
Barium dioxide Chlorites (inorganic)
Barium hydride Chlorosulphuric acid
Barium manganate Chromates (bi/di)
Barium nitrate Chromic acid
Barium perchlorate Chromic anhydride
Barium permanganate Chromic oxide
Barium peroxide Chromium trioxide
Beets, sliced, dried Cinnamon
Bengal lights Citronella oil
Bengal matches Clove oil
Benzoyl peroxide, wet Cobalt nitrate
Bergamot oil Cobalt potassium nitrite
Bleaching powder Coconut fibre
Bran dust Coir Fibre (loose)
Bromine Collodion-cotton
Bromoacetone Collodion paper
Bronze powder Collodion silk
Copper Nitrate Magnesium chlorate
Crackers Magnesium dioxide
Dichloroisocynuric acid Magnesium dust, also dust of high
Diketene Magnesium alloys.
Ethyl silicate Magnesium nitrate
Eucalyptus oil Magnesium perborate
Ferric nitrate Magnesium perchlorate
Ferrosilicon Magnesium peroxide
Firelighters Magnesium powder
Fireworks Maize bran
Fish meal/scrap Malt germ
Flares Manganese borate
Flash powder, Photographic Manganese dioxide
Floor wax Manganese green
Fluorine Manganese nitrate
Foam plastics Manganese peroxide
Fuse Manganese powder
Fuses without explosives Marjorum oil
Guano Matches (safety matches exceeding 5
Guano and fish-meal gross boxes)
Gunpowder detonating caps Matches (non-safety)
Hop oil Mercuric iodate
Hops Mercurous nitrate
Hydrazine Neroli (oil of orange flowers)
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Hydrobromic acid Nickel carbonyl
Hydrochloric acid Nickel nitrate
Hydrocyanic acid Nickel peroxide
Hydrofluoric acid Nickel tetracarbonyl
Hydrogen peroxide, 30-90% Nitric acid
Ignition cords (fuses) Nitrites of all kinds
Iodine Nitrite of soda
Iris oil Nitrocellulose film
Jasmine oil Nitrocellulose plastics
Juniper oil Nitrocellulose silk
Lavender oil Nitrocotton threads
Lead dioxide Nitrogen dioxide
Lead nitrate Nitro silk
Lead peroxide Nitrosyl chloride
Lead tetra methyl Nylon fibres and clean waste (loose)
Linalool Oil of cinnamon
Lithium Oil seeds
Lithium chlorate Oil of thyme
Lithium perchlorate Orange blossom oil
Lithium peroxide Orange oil
Lupulin (hop meal) Orange (peel) oil
Liquid insecticides/pesti- Paints, thinners and varnishes
cides disinfectants having having flash point between 32*C
flash point between 32*C and and 65*C. (both inclusive)
65*C (both inclusive)
Liquid insecticides/pesti- Paints, thinners and varnishes
cides disinfectants having (liquids having flammable base
flash point below 32*C when having flash point below 32*C) when
stored in sealed tins or stored in sealed tins or drums or
drums or in bottles and/or in bottles and/or in jars.
in jars.
Peppermint oil Sesquisulphide matches
Perchloric acid in aqueous Silver nitrate
solution > 70%
Percussion caps (for toys) Silver nitrite
Periodic acid Silver permanganate
Peru balsam Smoke generators
Phosphoric acid Sodamide
Phosphorous (red) Sodium amalgam
Phosphorous oxychloride Sodium amide
Phosphorous pentachloride Sodium borohydride
Phosphorous pentasulphide Sodium chlorate
Phosphorous pentaoxide Sodium chlorite
Phosphorous sesquisulphide Sodium dichromate
Phosphorous sulphide Sodium dithionite
Phosphorous trichloride Sodium hydrosulphide
Phosphoryl chloride Sodium hydrosulphite
Pinene Sodium hypochlorite
Pine oil Sodium hypophosphite
Pine tar Sodium nitrate
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
Portugal oil(Orange peel oil) Sodium nitrite
Potable spirits having flash
point below 32*C when
stored in sealed tins or
drums or in bottles and/or
in jars.
Potassium amide Sodium nitro-ethane
Potassium ammonium nitrate Sodium perborate
Potassium bromate Sodium perchlorate
Potassium chlorate Sodium periodate
Potassium dichromate Sodium permanganate
Potassium dithionate Sodium peroxide
Potassium hypochlorite Sodium persulphate
Potassium hyposulphite Sparklers
Potassium nitrate Spruce wood tar
Potassium nitrite Star anise oil
Potassium perchlorate Strontium
Potassium permanganate Strontium chlorate
Potassium peroxide Strontium nitrate
Potassium persulfate Strontium perchlorate
Potassium strontium chlorate Strontium peroxide
Potassium sulphide Strontium potassium chlorate
Pressed residue from oil Styrax
seeds
Pyrolusite Sulphuric acid,(oleum/fuming/
concentrated)
Pyrotechnical articles Thallium nitrate
Rockets (fire works) Thermit
Root turpentine oil Thorium
Rose oil Titanium (sponge or powder form)
Rosemary oil Trioxane
Rubidium Uranium
Safety matches (exceeding 5 Urea nitrate
gross boxes) Valerian oil
Sage oil
Salt petre Vermouth oil
Selenium dioxide Vinegar
Viscose and clean waste thereof,
loose
Volume bark and or Zinc hydrosulphate
fibres/loose
Wall saltpetre Zin nitrate
Waste of all kinds (exclu- Zinc permanganate
ding oily and greasy(waste) Zinc peroxide
Wood wool, loose Zinc powder
Zinc dithionite Ziroconium, dust powder
THE NEW INDIA ASSURANCE COMPANY LIMITED
87 M G ROAD, MUMBAI 400 001
CATEGORY III
Activated Carbon, Pyropheric Charcoal
All flammable liquids having Cheddite
a flashpoint below 32*C Chlorate explosives
Aluminium Alkyl Halides Chloratite
Aluminium borohydride Chloroazide
Aluminium triethyl Coal (including spontaneous
combustion)
Aluminium trihexyl Collodion
Aluminium tri-isobutyl Collodion wool
Aluminium trimethyl Copper acetylide
Aluminium tripropyl Copper azide
Amatol Copper carbide
Ammonium bromate Cordite
Ammonium chlorate Detonators
Ammonium Nitrate Diazobenzeneimide
Ammonium nitrate explosives Diazobenzene perchlorate
Ammonium perchlorate Diazo-dinitrophenol
Ammonium permanganate Diazo-m-nitraline perchlorate
Ammonium picrate Diazonium salts
Ammunitions Diborane
Amorces Di (tert) butyl peroxide
Arsine Dicumyl peroxide
Azides Diglycol dinitrate
Azimethylene Dimethyl benzyl peroxide
Azoimide Dinitrocellulose
Baggase in bales Dinitrochlorohydrin
Bamboos (split) Dinitrocresol
Benzol peroxide (dry) Dinitro dihydroxy quinone
Black powder Dinitro glycerine
Blasting powder Dinitro glycol
Bromo picric acid Dinitrol
Butyl mercaptan Dodecanoyl Peroxide
Butyl peracetate Dynamite
Butyl peroctoate (tert) Eau de Cologne
Butyl peroxide (ditert) Erythrol Tetranitrate
Cadmium fulminate Ethyl borate
Caesium Ethylene nitrate
Calcium, pyrophoric Explosive charges
Calcium carbide Explosives
Calcium chlorite Fire wood
Calcium dithionate Fulminates
Calcium hydride Fuse, detonating
Calcium nitrate explosives Gases, combustible
Cartridges Gelatine explosive
Cellulose nitrate powder Gelatinized nitrocellulose powders
Glycerine nitrate Nitrogen chloride
Guanidine nitrate Nitrogen trichloride
Guanidine perchlorate Nitroglycerine
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Guanyl nitrosamino guanyl Nitroglycerine powder
tetrazene
Guhr-dynamite Nitroguanidine
Gun cotton Nitromannital
Gun-cotton solutions Nitro-starch
Gun powder Nitro-sugar
Hay in pressed bales Ozonides
Hydrazine nitrate
Hydrozoio acid
Hydrogen cyanide Pentanone
Hydrogen peroxide, 90-100% Peracetic acid
Hydrogen selenide Perchlorate explosives
Hydrogen sulphide Perchlorate of all kinds
Hydrolith Perchloric acid > 70%
Instant ignition cord Perchromates
Iron carbonyl Percussion capsules
Iron penta carbonyl Phosphides
Kresylit Phosphine
Lead azide Phosphoretted hydrogen
Lead picrate Phosphorous (yellow or white)
Lead styphnate Picramic acid
Lead trinitroresorcinate Picrates
Lithimum aluminium hydride Picratol
Lithium amide Picric acid
Lithium borohydride Picryl chloride
Lithium butyl Plasticized dynamite
Lithium hydride Potassium
Lyddite Potassium amalgam
Potassium hydride
Primers (explosives)
Propargyl bromide
Liquid Petroleum Gas Prussic acid
Mannitol hexanitrate Raney nickel
Mercuric cyanate RDX
Mercury cyanate Rubber cement
Mercury fulminate Safety explosives
Mining charges Saltpetre blasting powder
Mixed powder(nitrocellulose) Silanes
Nitrates of all kinds Silver acetylide
Nitrate explosives Silver fulminate
Nitrates of all kinds Silver picrate
Nitro-carbonitrate Sodium
Nitrocellulose Sodium azide
Nitrocellulose powder Sodium dinitro phenol
Nitrogelatine dynamite Sodium hydride
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Sodium hyposulphite TNT
Solein Trinitrocellulose
Starch nitrate Trinitroglycerine
Styphnic acid Trinitronaphthalene
Straw in pressed bales Trinitrophenol
Succinic peroxide Trinitrophenolmethylnitramine
Sugar nitrates Trinitro-toluene
Tetranitroaniline Tripropylaluminium
Tetranitrobenzene Urea peroxide
Tetranitronaphthalene Zinc phosphide
Tetranitrophenol Zinc picrate
Titanium hydride Zirconium hydride