The Public Liability Insurance Act 1991


The Public Liability Insurance Act 1991

Introduction: Public Liability Insurance Act has been inserted on 22 January 1991. The Act is inserted to provide immediate relief for a person affected by an accident while handling a hazardous substance, it is the obligation of the industry or factory to protect employees, physical loss or death of employees during employment, compensation of industries This burden has been transferred by paying premium on behalf of the insurance company so that further burden for the welfare of employees By the government to guarantee the safety of compensation implemented this work.

Liability to give relief: The obligation to grant relief under this Act is based on the principle of 'no fault principle'. Section 3 of the Act states that where the death or injury of any person or workman or damage to any property has occurred, an accident has occurred, the factory owner shall be liable to give such relief, who shall be responsible for such death. Is specified in the schedule for injury or death or damage. When making a claim for indemnity the insurer shall not be required to pledge and establish the death, injury or damage in respect of which the claim is made, as it is caused by improper performance, disregard or default of any person. The scheduled relief is as follows:

Duty of owner of Industries or Company (Section4): The obligation to grant relief under this Act is based on the principle of 'no fault principle'. Section 3 of the Act states that where the death or injury of any person or workman or damage to any property has occurred, an accident has occurred, the factory owner shall be liable to give such relief, who shall be responsible for such death. Is specified in the schedule for injury or death or damage. When making a claim for indemnity the insurer shall not be required to pledge and establish the death, injury or damage in respect of which the claim is made, as it is caused by improper performance, disregard or default of any person. The scheduled relief is as follows:
                            
Power to give direction: Under section 12 of the Act, the Central Government has directions to any owner or any official authority or agency to handle any hazardous substance or to stop or regulate the supply of electricity, water, or Is the power to issue. Any other service and another power is also given to the Central Government or a person authorized by it to apply to the courts to withdraw the owner from handling hazardous substances.

Penalty: If the owner of the industry does not take an insurance policy or fails to keep the policy alive, as long as the haphazard process continues or fails to regulate the guidelines issued by the central government, it is subject to a minimum of imprisonment. Will be punished Half yearly which shall be extended for six years or with fine less than one lakh rupees or both.
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