Page 217 - Liability Insurance IC74

Guide for Liability Insurance

the employment. If the workmen dies a natural death
while on duty, no liability attaches to the employer unless
it can be proved that the death was caused by strains
and stresses particular to the employment. Even when
the death of the workmen is caused by a aggravation of
a pre-existing disease due to an accident, it is held that
the death is deemed to have resulted from the accident.

Q8. Where is the need arising for insurance to refer
Risk Assessment Report ? What information is
enumerated in the same ? Please answer with
reference to Products Liability insurance .

Ans. Ref Q1of Nov 2008

Insurer's decision to accept a proposal demands a
thorough knowledge of all the factors influencing the
risk. The necessary information is elicited in the proposal
form. In addition to proposal form, a 'Risk Assessment
Report' completed by the insurer's officers are needed,
especially in the following cases:
(i) Exports to USA & Canada irrespective of limit of

Indemnity.
(ii) Exports to countries other than USA & Canada if

the aggregate limit of indemnity exceeds certain pre-
fixed limits.
(iii) Proposals not involving exports, if the aggregate limit

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