Page 59 - Liability Insurance IC74

Guide for Liability Insurance

under the public liability policy.

(c) Claims series clause -a claim series event is deemed
to be one claim and the date of loss is the date when
the first claim of the claim series event was made in
writing against the insured. Claims series event is defined
as a series of two or more claims arising from one
specific common cause with this attributable, e.g,- (i) to
the same fault in design, manufacture, instructions for
use or labelling of products (ii) to the supply of same
products and services (iii) to products and services
showing the same defect.

For e.g, a defect in a particular batch of injections may
result in injuries to large number of people
simultaneously or one after another. All claims the club
together for the purpose of applying the limit of
indemnity for anyone accident. Thus, the indemnity
limit applies to any one claim or a series of claims
arising from one originating cause. The clause also
provides for a time limitation. Claims arising from one
specific cause made after 3 years after the first claim
of the series, are not covered.

Q4. Mention the various common defenses available
against an allegation of negligence.

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