About

Dayitva Desk is an independent information site for owners, finance teams and administrators of Indian businesses who need to buy or renew liability insurance. Dayitva means responsibility, and the site's aim is to make the cost of that responsibility easier to compare.

The guides explain how liability premiums are worked out, which covers the law requires, how to compare quotes on total cost rather than headline premium, and what to do when a claim goes wrong. We cover public liability, commercial general liability, product liability, employees' compensation, professional indemnity and D&O cover, and the rules around GST, IRDAI and dispute forums.

We do not sell insurance, are not an insurer, broker or corporate agent, and are not registered with IRDAI. We do not rank insurers or publish real premiums, because prices depend on each business and change often. All figures in worked examples are illustrative. Laws and taxes are described as of October 2026; always confirm the current position on the official sources we link and, for large or unusual risks, with an IRDAI-licensed broker or a lawyer. See the editorial policy for how we write and update the guides.

How this site is made

Dayitva Desk is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.