Page 214 - Liability Insurance IC74

The Insurance Times

To apply the rule two conditions are necessary :
(i) There must be an escape from the land, something
likely to cause harm.
(ii) A non-natural use of that land. This means that
something must be bought on to the land which was not
naturally there.

Like in the above Ryland v Fletcher case, water was
brought on to the land but the rule would not have applied
if the escape of water was from a natural lake on the
land.

(c)Procedure for rating Workmen's Compensation Policy
- this class of insurance was earlier governed by the
Tariff, now falls under the File & Use guidelines of the
IRDA, though the policy wordings continue to apply.
Most insurers continue to use occupation, classification
and the rates of the erstwhile tariff for determining
premiums with minor modifications based on the
individual experience.

There are two forms of insurance policy:
Table A : indemnity against legal liability for accidents
to employees under (i) the workmen's compensation act
1923 and subsequent amendments of the said Act prior
to the date of issue of the Policy. (ii) the Fatal Accidents

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