Liability Insurance

Protect your business from third-party legal claims, financial loss, and reputational risks.

Cover Your Risks, Protect Your Business

What is Liability Insurance and Why It’s Crucial

Liability insurance protects individuals and businesses from legal and financial claims arising from injury, property damage, negligence, or data breaches. Whether you’re a company director, service provider, or business owner, this insurance ensures you're not personally or professionally liable for costly lawsuits.

It covers legal defence costs, settlements, and compensation payouts. Liability coverage helps maintain your credibility while protecting your business from reputational and financial damage.

Easy. Efficient. Essential.

Why Buy Liability Insurance Online?

Tailored for Every Profession or Industry

Select the right liability plan based on your sector and risk exposure.

Compare Multiple Plans Instantly

Get real-time quotes from top insurers and choose what fits your business best.

Fully Digital Process

From proposal to issuance, complete everything online without hassle.

Not Having It Can Cost You

Why Liability Insurance is a Must for Professionals and Businesses

01

Protection from Legal Claims

Covers third-party injury, property damage, defamation, and data breach lawsuits.

02

Helps Maintain Brand Reputation

Respond quickly to incidents while protecting your public image.

03

Covers Legal Defence Costs

Pays for lawyer fees, court expenses, and settlements.

04

Required by Clients or Contracts

Often mandatory in client contracts or vendor agreements.

05

Shields Directors and Officers Personally

Protects leadership from allegations of mismanagement or negligence.

06

Business Continuity Support

Avoid financial disruption caused by unexpected legal liabilities.

Specialised Coverage for Unique Risks

Types of Liability Insurance You Can Choose

Director & Officers (D&O) Liability Insurance

Covers directors and officers from legal claims related to mismanagement, breach of duty, or regulatory action.

Commercial General Liability (CGL)

Covers bodily injury, property damage, and advertising injury caused by your business operations.

Professional Indemnity Insurance (PI)

Ideal for consultants, lawyers, doctors, architects, and agencies — covers claims of negligence, errors, or omissions.

Smart Protection for Today’s Businesses

Why Upsure is the Right Partner for Liability Coverage

Access to Sector-Specific Policies

From healthcare to IT, choose liability plans tailored for your industry.

Compare Plans in Minutes

Evaluate features, premiums, and claim processes side by side.

Easy Documentation Process

No lengthy paperwork — just upload your business info and get insured.

Expert Advice on Sum Insured

Get help determining the right coverage for your risk exposure.

Claim Assistance When You Need It

We walk with you through claims, from filing to settlement.

Trusted Insurers, Transparent Pricing

Partnered with leading companies offering competitive and clear premiums.

One Size Does Not Fit All

Why Comparing Liability Insurance is Smart

No two businesses face the same risks. Comparing plans ensures you’re not overpaying or under-covered.

Match Coverage to Business Risk

Understand Exclusions and Conditions

Know what is and isn’t covered before you commit.

Select the Right Add-Ons

Include clauses like retroactive cover, breach response, or employee dishonesty.

Review Claim Limits & Sub-Limits

Ensure your chosen plan provides sufficient coverage per incident and per year.

Buy With Confidence

Steps to Purchase Liability Insurance

01

Fill Business Details & Coverage Needs

Enter industry type, turnover, employee count, and exposure risks.

02

Compare Available Plans

Review premiums, cover limits, legal support features, and conditions.

03

Submit KYC & Pay Online

Upload basic documents, pay securely, and get your policy in your inbox.

Documents for a Seamless Process

Information Required to Buy Liability Insurance

Business Registration Proof

GST certificate, incorporation document, or professional license.

ID & Address Proof

Aadhar, PAN, or registered office address for contact purposes.

Past Claim History (if any)

Mention past liability-related claims for accurate risk assessment.

We’re With You When It Matters

How to File a Liability Insurance Claim

1

Notify the Insurer Promptly

Inform the insurer immediately after receiving a legal notice or claim.

2

Submit All Documentation

Share claim form, legal documents, incident report, and business proof.

3

Claim Review and Legal Evaluation

The insurer assigns legal counsel and proceeds with claim investigation and settlement.

Answers for Business Owners and Professionals

Frequently Asked Questions

Liability insurance is not mandatory by law for all businesses, but many industries require it due to contractual obligations, client mandates, or regulatory requirements. It is especially recommended for businesses that deal with clients, employees, or the public.

General liability covers physical injuries and property damage to third parties caused by business operations. Professional indemnity, on the other hand, covers claims of negligence, professional errors, or omissions in the services you provide.

Yes, directors and officers can be personally sued for breach of fiduciary duty, mismanagement, or regulatory lapses. D&O insurance shields their personal assets and covers legal expenses in such scenarios, protecting their financial and legal interests.

Liability policies usually exclude intentional damage, contractual liability beyond policy scope, fraud, and known prior incidents. Cyberattacks and data breaches may also be excluded unless you purchase a specific cyber liability policy. Reading policy terms is essential.

Premiums are based on industry type, turnover, number of employees, risk profile, and chosen coverage limits. Businesses in high-risk sectors like healthcare, IT, or manufacturing typically pay higher premiums due to greater exposure to legal claims.

Most liability policies have an annual limit and a per-claim sub-limit. If multiple claims occur, each is settled based on these limits. Choosing adequate limits during purchase helps avoid coverage shortfalls in such situations.

Cyber liability may cover regulatory fines, breach response costs, data recovery, and legal expenses depending on the insurer. However, some penalties may be excluded in certain jurisdictions. Always verify what’s covered before purchasing a cyber liability plan.

Yes, professionals including doctors, consultants, architects, lawyers, and freelancers can purchase professional indemnity insurance. It safeguards against client claims of negligence or service-related errors and is often a requirement when bidding for projects.

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Email: contactus@upsurebrokers.com Call: +91 90452 83235

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Upsure Insurance Brokers Pvt. Ltd., IRDAI Broker code - IRDAI / DB 958 / 2022, Valid Till date - 25 / 06 / 2026, Licence Number-899, CIN No.: U67200UP2022PTC164788, Principal officer name: Ankush Jain,
Contact No.: 91+ 90452 83235, Email ID: ankush.jain@upsurebrokers.com