Product Liability Insurance

Salient Features

  • The policy pays for damages, that the insured is legally liable to pay in consequence of accidental death/injury or disease to third parties including damage to third party property due to any defect in the products manufactured.
  • Claims arising out of accidents during the policy period due to defects in the products covered by the policy are payable.
  • The policy also covers injury to third party and pollution liability on account of products covered.
  • Indemnity is extended to officials of the insured in their business capacity.
  • Officers, committees and members of insured's welfare associations personal representatives of the estate.
  • All costs, fees and expenses incurred in investigation, defense and settlement of claim made against the insured, cost of representation at any inquiry or other proceedings in respect of matters having direct relevance to the claim made against the insured are covered by the policy subject to the overall limits stated in the policy.


  • Product Recall.
  • Deliberate, willful or international non-compliance of any statutory provision.
  • Loss of goodwill, loss of market.
  • Fines, penalties, punitive/exemplary damages.
  • War and War like situations.
  • Any loss occurring prior to the Retroactive Date mentioned in the policy.

About HaYoSha Insurance Advisory

HaYoSha Insurance Advisory (HIA) is a group owned by people of more than three decades experience and one of the leading Insurance Advisory firm offering insurance solution with a customer-centric approach.We at HIA strongly believe in our Values & Philosophy. Our emphasis is strong on Leadership, Dedication, Integrity & Innovation.

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