What drives a liability premium in India, which policy fits which risk, and the laws and taxes that apply in 2026.
A business liability policy pays compensation, legal defence costs and related expenses when a third party, a customer or an employee holds your business legally responsible for injury, death or property damage. In India the main forms are the public liability policy (industrial and non-industrial), the commercial general liability (CGL) policy, product liability cover, and employees' compensation cover. One of them, insurance under the Public Liability Insurance Act, 1991, is compulsory for businesses that handle hazardous substances above notified quantities.
Start with the overview of business liability insurance in India. It links to guides on the factors insurers use to set the premium, the difference between CGL and a public liability policy, occurrence versus claims-made wording, product liability under Chapter VI of the Consumer Protection Act, 2019, employees' compensation now that the Code on Social Security, 2020 is in force, and how GST at 18% works on general insurance premiums.
Non-life premiums in India have been largely de-tariffed since 2007, so each insurer prices on its own model and files products with IRDAI. Every premium on this site is an illustrative example, not a market rate. Laws are described as they stand in October 2026; where a rule may have changed, we point you to the official text.
Premiums, Policy Types and 2026 Rules
A plain guide to business liability insurance in India in 2026, covering policy types, what drives the premium, GST, compulsory cover and how to compare quotes.
Premiums, Policy Types and 2026 Rules
How a commercial general liability policy differs from an industrial or non-industrial public liability policy in India, with a coverage table and decision guide.
Premiums, Policy Types and 2026 Rules
How employer liability for work injuries works in India after the Code on Social Security 2020, how ESI interacts with it, and how compensation and premiums are calculated.
Premiums, Policy Types and 2026 Rules
How 18% GST applies to business liability insurance premiums in India, what the 2025 exemption did and did not change, and how to claim input tax credit.
Premiums, Policy Types and 2026 Rules
How occurrence and claims-made triggers work in Indian liability policies, what a retroactive date and extended reporting period do, and how to avoid gaps when switching.
Premiums, Policy Types and 2026 Rules
How Chapter VI of the Consumer Protection Act 2019 makes manufacturers, service providers and sellers liable, and how to buy product liability insurance that fits.
Premiums, Policy Types and 2026 Rules
Who needs compulsory insurance under India's Public Liability Insurance Act 1991, how no-fault relief works, the Environment Relief Fund and why it is not enough alone.
Premiums, Policy Types and 2026 Rules
How Indian insurers price public liability, CGL and product liability cover, from turnover and activity to limits, deductibles, territory and claims history.
