Legal Tips

This policy protects the insured against liabilities to third persons for:

1. bodily injury or illness; and
2. loss or damage to property,

arising from the conduct of his business and occurring within the territorial limits¹ during the period of insurance.

However, this policy does not protect against liabilities to the insured’s employees. In NTUC Income, we have other types of plans (eg WorkMedic and Work Injury Compensation) which cover liabilities to employees. You can call NTUC Income 24-hours hotline at 6788 1777 or send us an email at csquery@income.com.sg for more information.

¹ Refer to Q3 on explanation of territorial limits

Yes, there are exclusions. In NTUC Income’s public liability policies, the following are not covered:

1. liabilities arising from a deliberate act of the insured or breach of professional duty due to any negligent act, or error or omission committed by the insured;
   
   
2. liabilities assumed by the insured by any agreement;
3. liabilities in respect of loss of or damage to property belonging to or under the care, custody or control of the insured’s employees;
   
   
4. liabilities in respect of loss of or damage to property on which the insured is or has been working on;
   
   
5. liabilities arising from any:
   1. vessel or craft or aircraft;
   2. lift , elevator, escalator, hoist or crane;
   3. steam boiler , economizer  or steam pressure;
   4. any mechanically propelled vehicles including loading and unloading of such vehicle;
   5. any commodity article or thing supplied, repaired or altered or treated by the insured;
   6. vibration , removal or weakening of support; and
   7. defective sanitary installation or in consequence of pollution or contamination;
      
      
6. liabilities arising from war, invasion, acts of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or act of terrorism; and
   
   
7. liabilities arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or nuclear weapons material.

A3.

(a)  Limit of indemnity is the maximum sum which NTUC Income will pay any claim under this policy. There are usually two limits:

1. the first provides for a maximum sum payable in respect of any one claim; and
2. the second provides for a total maximum sum payable in respect of all claims during any one policy year.

(b) Territorial Limits relates to the geographical area of cover for the insured's business activities. For this policy, the territorial limit is Singapore. However, with our consent it may be extended to cover the insured's business activities in other countries.

(c)  Jurisdiction Clause specifies the courts which have the right to decide a dispute under this policy. When a court order is obtained, NTUC Income will pay under this policy only if the court order is delivered by courts in Singapore, Malaysia or Brunei unless we agree to include other countries.