Compulsory Public Liability Insurance : Section 3 of the Public Liability Insurance Act, 1991 imposes a no-fault liability on the person who owns or has control over handling any hazardous substance to give relief where death or injury (including permanent total or permanent partial disability or sickness) to any person (other than a workman within the meaning of the Workmen’s Compensation Act 1923) (now the Employee’s Compensation (Amendment) Act, 2009) as amended or damage to any property, has resulted from an accident. No fault liability means that the claimant is not required to prove that the death, injury or damage was due to any wrongful act, neglect or default of any person.