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Public health authority

Under the Health Insurance Portability and Accountability Act (HIPAA), an agency or authority of the United States: a state; a territory; a political subdivision of a state, a territory, or an Indian tribe; or a person or entity acting under a grant of authority from or contract with such public agency including the employees or agents of such public agency or its contractors, persons, or entities to whom it has granted authority that is responsible for public health matters as part of its official mandate.

public health nurse (PHN)

Registered nurse who works with families in the home, in schools, at the workplace, in government agencies, and at major health facilities. PHNs must complete a baccalaureate degree program approved by the National League for Nursing (NLN) or the American Association of Colleges of Nursing (AACN) for public health nursing preparation or after registered nurse study. A certification program sponsored by the Division of Community Health Nursing of the American Nurses Association is also available.

Public law 15

A law put into force by a Congressional Act passed in 1945. Under this law, insurance is not subject to anti-trust laws on the federal level as long as it is properly regulated at the state level.

Public Liability Industrial Risks for Liability Insurance

The Insurance Policy shall cover applies to Industrial and storage risks such as Depots, Warehouses, Godowns, Tank farms etc with aggregate limits of Indemnity any one year/during the policy period within the geographical limits of India. Policies shall cover all sums which the Insured becomes legally liable to pay as damages to third party in respect of accidental death/bodily injury/disease and loss of or damage to property arising out of claims first made in writing against the Insured during the Policy period, including legal costs and expenses incurred with prior consent of Insurers, subject always to the limits of indemnity and other terms, conditions and exceptions of the policy. It shall not be permissible to issue a Public Liability Policy with unlimited liability. The maximum ratio of limit of indemnity any one accident to any one year shall not exceed 1:4. Policy can be extended to cover Pollution Risks, Transportation risks outside Insured’s Premises, Cover for multiple units, Act of God perils, Technical Collaborators Liability For the purpose of rating industries are classified under four groups. The Company will indemnify the insured against their legal liability(other than liability under the Public Liability Insurance Act, 1991 or any other Statute that may come into force after the issue of this policy) to pay compensation including Claimant’s costs, fees and expenses anywhere in India in accordance with Indian Law. INDEMNITY LIMITS: Company’s total liability to pay compensation, Claimant’s costs, fees and expenses and defence costs shall not exceed the Any One Indemnity limit stated in the Schedule. Indemnity Limit applies to any one claim or series of claims arising from one originating cause. Any One Year Indemnity Limit shall represent the total amount of Company’s Liability during the Policy period.

Public Liability Insurance

The Policy provides an indemnity in respect of legal liability for accidental death or bodily injury or accidental damage to property of the parties, arising out of the negligence of the insured or his employees or through defects in the insured’s premises or other property owned by him. Legal costs are also payable under the Policy.
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Any liability coverage for claims brought against the insured by a third party or member of the public.

Public Liability Insurance (PL)

Lossesoccurring policy, subject to a limit for any one occurrence, indemnifying the insured in respect of legal liability for third party injury and property damage arising from the business. Insured’s own costs are covered. The policy has a number of extensions (e.g. moto tingent liability, data protection) and excludes risks (e.g. employers’ liabilconity, covered under other policies) normally covered under other policies. See POLLUTION CLAUSE.

Public Liability Non Industrial Risks for Liability Insurance

The Company will indemnify the insured against their legal liability to pay compensation including Claimant’s costs, fees and expenses anywhere in India in accordance with Indian Law. The Policy applies to non-industrial risks such as Hotels, Motels, Club Houses, Restaurant, Boarding and Lodging Houses, Flight Kitchens, Cinema Halls, Auditoriums, Theatres, Public Halls, Pandals, Open Air Theatres, Residential Premises, Offices/Administrative Premises, Medical Establishments, Institutions, Airport Premises (other than aviation liabilities), Schools/Educational Institutions, Libraries, Exhibitions, Fairs, and Fetes, Stadiums and Pandals, Permanent Amusement Parks, Film Studios – Indoor & Outdoor, Zoos, Depots, Warehouses, Godowns, Shops, Tank Farms and similar other non-industrial risks with aggregate limits of indemnity any one year/during the policy period. Policies shall cover all sums which the Insured becomes legally liable to pay as damages to third party in respect of accidental death/bodily injury/disease and loss of or damage to property arising out of claims first made in writing against the Insured during the Policy period, including legal costs and expenses incurred with prior consent of Insurers, subject always to the limits of indemnity and other terms, conditions and exceptions of the policy. It shall not be permissible to issue a Public Liability Policy with unlimited liability. The maximum ratio of limit of indemnity any one accident to any one year shall not exceed 1:4. Policy can be extended to cover Pollution Risks, Cover for multiple units, Act of God perils.