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WE COVER
This insurance is intended to provide an indemnity to the insured (upto the limit of liability) in the event of a claim being brought against him. This may be caused by anything harmful or defective in the products sold or supplied by the insured in connection with the business specified. The Company in addition will reimburse all costs and expenses incurred with its written consent defending such a claim for compensation. The insurance will however not cover the cost of removing replacing or repairing defective products or loss of use thereof.
Liability Covered
The policy seeks to indemnify the insured against his legal liability to pay compensation (including claimants costs fees and expenses) in respect of injury damage or pollution for third parties for claims arising out of accidents due to any defects in the products specified in the policy during the period of the insurance and first made against the insured during the policy period. For the purpose of determining the indemnity granted :
SPECIAL FEATURES
1) CLAIMS MADE BASIS
The policy is on `Claims made basis. This means that the accident giving rise to the claim shall occur during the period of insurance and further that the claim shall be first made against the insured during the policy period.
2) RETROACTIVE DATE
This is the date of commencement of the first `Claims made product liability policy. This date will remain unaltered as long as the policy has been renewed without break and there has been no substantial material change in the risk.
3) PERIOD OF INSURANCE
This is the period commencing from the retroactive date and terminating on the expiry date of the policy.
4) POLICY PERIOD
This is the period commencing from the midnight on the inception date and terminating at midnight on the expiry date of the policy.
Special Exclusions
General Exclusions
Policy will not pay loss or damage due to:
NOTE
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