{"uin":"IRDAN113CP0001V02201920","name":"Environment Protect Premises","url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Environment Protect has Premises and Project claims-made variants covering pollution-condition losses such as clean-up costs, third-party liability, emergency response costs and defence. Claims must be notified as soon as practicable and not more than 15 days from triggering covered risks, and Emergency Response Costs information must be forwarded within 10 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:51:07.465643+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["ENVIRONMENT PROTECT PREMISES","ENVIRONMENT PROTECT PROJECT"],"display":"ENVIRONMENT PROTECT PREMISES; ENVIRONMENT PROTECT PROJECT","note":null,"quote":"ENVIRONMENT PROTECT PREMISES ... ENVIRONMENT PROTECT PROJECT","sources":[{"clause":null,"heading":"ENVIRONMENT PROTECT PREMISES","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-environment-protect-premises"},{"clause":null,"heading":"ENVIRONMENT PROTECT PROJECT","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3243#c-environment-protect-project"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the Period of Insurance only as the period identified in the Policy Schedule.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Give written notice as soon as practicable of any Pollution Condition which may result in a Claim. Claims must be notified as soon as practicable but not more than 15 days of triggering covered risks; Emergency Response Costs information must be forwarded within 10 days of the first commencement of the Pollution Conditions.","display":"As soon as practicable, but not more than 15 days of triggering covered risks; Emergency Response Costs within 10 days","note":null,"quote":"As a condition precedent to the Company’s obligations under this Policy, the Insured will give written notice to the Company as soon as practicable of any Pollution Condition which may result in a Claim. ... If Emergency Response Costs have been incurred, the Insured will forward to the Company within ten (10) days of the first commencement of the Pollution Conditions for which the Emergency Response Costs have been incurred, all information stated in paragraph 7.1 above. ... The Insured will give notice to the Company of all Claims as soon as practicable [but not more than 15 days of triggering of covered risks], during the Period of Insurance, or during the Extended Reporting Period, if applicable.","sources":[{"clause":"7.1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-7-1"},{"clause":"7.2","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-7-2"},{"clause":"7.3","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-7-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["The names and addresses of any injured persons and witnesses","All known and reasonably obtainable information regarding the time, place, cause, nature of and other circumstances of the Pollution Conditions","Any other relevant information in the Insured’s possession concerning any actual or potential pollution","Any demands, notices, summonses, or legal papers received in connection with the Claim","Authorize the Company to obtain records and other information","Assist the Company in the enforcement of any right against any person or organization which may be liable to the Insured"],"display":"Injured persons and witnesses details; pollution condition information; relevant pollution information; demands, notices, summonses or legal papers; authorization for records; assistance in enforcing rights","note":null,"quote":"Notice under all coverages will include:\n1. The names and addresses of any injured persons and witnesses;\n2. All known and reasonably obtainable information regarding the time, place, cause, nature of and other circumstances of the Pollution Conditions; and\n3. Any other relevant information in the Insured’s possession concerning any actual or potential pollution. ... 1. Any demands, notices, summonses, or legal papers received in connection with the Claim;\n2. Authorize the Company to obtain records and other information;\n3. Assist the Company in the enforcement of any right against any person or organization which may be liable to the Insured.","sources":[{"clause":"7.1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-7-1"},{"clause":"7.3","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-7-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Asbestos and lead-based paint","Contractual liability","Fines, penalties, or assessments","Employer liability","Identified underground storage tanks","Intentional noncompliance","Internal expenses","Material change in use","Nuclear fuel, assemblies and components","Offshore","Prior knowledge/ non-disclosure","Products","Property Damage to conveyances","Terrorism","War"],"display":"Asbestos and lead-based paint; contractual liability; fines, penalties or assessments; employer liability; identified underground storage tanks; intentional noncompliance; internal expenses; material change in use; nuclear; offshore; prior knowledge/non-disclosure; products; property damage to conveyances; terrorism; war","note":"These exclusions are from the Environment Protect Premises wording. The Project wording has a separate exclusion list including Property Damage.","quote":"This Policy does not apply to: ... 5.1 Asbestos and lead-based paint ... 5.2 Contractual liability ... 5.3 Fines, penalties, or assessments ... 5.4 Employer liability ... 5.5 Identified underground storage tanks ... 5.7 Intentional noncompliance ... 5.8 Internal expenses ... 5.9 Material change in use ... 5.10 Nuclear fuel, assemblies and components ... 5.11 Offshore ... 5.12 Prior knowledge/ non-disclosure ... 5.13 Products ... 5.14 Property Damage to conveyances ... 5.15 Terrorism ... 5.16 War","sources":[{"clause":"Section 5","heading":"EXCLUSIONS","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-section-5"},{"clause":"5.1","heading":"Asbestos and lead-based paint","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-1"},{"clause":"5.2","heading":"Contractual liability","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-2"},{"clause":"5.3","heading":"Fines, penalties, or assessments","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-3"},{"clause":"5.4","heading":"Employer liability","page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-4"},{"clause":"5.5","heading":"Identified underground storage tanks","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-5"},{"clause":"5.7","heading":"Intentional noncompliance","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-7"},{"clause":"5.8","heading":"Internal expenses","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-8"},{"clause":"5.9","heading":"Material change in use","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-9"},{"clause":"5.10","heading":"Nuclear fuel, assemblies and components","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-10"},{"clause":"5.11","heading":"Offshore","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-11"},{"clause":"5.12","heading":"Prior knowledge/ non-disclosure","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-12"},{"clause":"5.13","heading":"Products","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-13"},{"clause":"5.14","heading":"Property Damage to conveyances","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-14"},{"clause":"5.15","heading":"Terrorism","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-15"},{"clause":"5.16","heading":"War","page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-5-16"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Customer Experience Team through the website, toll-free number 1800 209 5858, email careforyou@bajajgeneral.com, or by writing to Bajaj General Insurance Limited at Bajaj Insurance House, Airport Road, Yerwada Pune- 411006. If not satisfied with the response, write to the Grievance Redressal Officer at ggro@bajajgeneral.com.","display":"Level 1 Customer Experience Team; Level 2 Grievance Redressal Officer at ggro@bajajgeneral.com","note":null,"quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options:\n• Our Website @ https://general.bajajgeneral.com/Corp/aboutus/general-insurance-customer-service.jsp\n• Call us on our Toll free no 1800 209 5858\n• Mail us on careforyou@bajajgeneral.com\n• Write to Bajaj General Insurance Limited\n• Bajaj Insurance House, Airport Road, Yerwada Pune- 411006 Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer Bg# ?ZgdbZ K^cXZci at ggro@bajajgeneral.com","sources":[{"clause":"9.2","heading":null,"page":18,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-9-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Own Site Clean-up Costs","Off site Clean-up Costs","Third Party Claims for Bodily Injury or Property Damage","Emergency Response Costs","Transportation","Non-owned locations","Covered Operations","Business Interruption","Defense","Legal Liability"],"display":"Own Site Clean-up Costs; Off site Clean-up Costs; Third Party Claims for Bodily Injury or Property Damage; Emergency Response Costs; Transportation; Non-owned locations; Covered Operations; Business Interruption; Defense; Legal Liability","note":"Legal Liability is from the Project wording. The other named covered risks listed here are from the Premises wording; Emergency Response Costs and Defense appear in both wordings.","quote":"COVERED RISKS ARE AS UNDER ... A. Own Site Clean-up Costs ... B. Off site Clean-up Costs ... C. Third Party Claims for Bodily Injury or Property Damage ... D. Emergency Response Costs ... E. Transportation ... F. Non-owned locations ... G. Covered Operations ... H. Business Interruption ... A. Defense ... A. Legal Liability","sources":[{"clause":"Section 1","heading":"COVERED RISKS ARE AS UNDER","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-section-1"},{"clause":null,"heading":"A. Own Site Clean-up Costs","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-a-own-site-clean-up-costs"},{"clause":null,"heading":"B. Off site Clean-up Costs","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-b-off-site-clean-up-costs"},{"clause":null,"heading":"C. Third Party Claims for Bodily Injury or Property Damage","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-c-third-party-claims-for-bodily-injury-or-proper"},{"clause":null,"heading":"D. Emergency Response Costs","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-d-emergency-response-costs"},{"clause":null,"heading":"E. Transportation","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-e-transportation"},{"clause":null,"heading":"F. Non-owned locations","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-f-non-owned-locations"},{"clause":null,"heading":"G. Covered Operations","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-g-covered-operations"},{"clause":null,"heading":"H. Business Interruption","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-h-business-interruption"},{"clause":null,"heading":"A. Defense","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-a-defense"},{"clause":null,"heading":"A. Legal Liability","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3243#c-a-legal-liability"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The Company pays loss in excess of the Deductible amount stated in the Policy Schedule, and if more than one deductible applies to the same Pollution Condition only the highest deductible amount is applied. For Business Interruption Expense and Extra Expense under the Premises wording, the deductible is the first five (5) days in the Interruption Period.","display":"Deductible amount stated in the Policy Schedule; if more than one applies, only the highest; Business Interruption first five (5) days","note":"The rupee deductible amounts for coverages are schedule-specific and are not printed in the wording.","quote":"the Company will pay all Loss in excess of the Deductible amount stated in the Policy Office & Head Office: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411 006 UIN: IRDAN113CP0001V02201920\nSchedule for the applicable coverage, up to but not exceeding the applicable Each Incident limit of coverage. In the event that more than one Deductible amount can apply to the same Pollution Condition(s) and results in coverage under more than one coverage clause Under Section 1, only the highest Deductible amount will be applied. ... the Company will pay all Business Interruption Expense and Extra Expense in excess of the Business Interruption Expense sustained during the first five (5) days in the Interruption Period, stated as the Deductible (days) in the Policy Schedule.","sources":[{"clause":null,"heading":"F. Deductible","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-f-deductible"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel before expiry by giving at least 15 days written notice and stating an effective cancellation date not less than 90 days; if no claim has been made, premium is refunded on short-term rates for the unexpired Period of Insurance. No premium refund applies if there is a claim or notification of any occurrence which may give rise to a claim before the cancellation date.","display":"15 days written notice; cancellation effective date not less than 90 days; short-term-rate refund if no claim; no refund if there is a claim or claim notification","note":null,"quote":"ii) The Policy may be cancelled by the Insured at any time before the expiry of the Period of Insurance by giving at least 15 days written notice to the Company stating the effective date of cancellation as not less than 90 days on which date cancellation will be effective and if no Claim has been made then the Company will refund premium on short term rates for the unexpired Period of Insurance as per the rates detailed below. However, no premium refund is applicable if there is a Claim or notification of any occurrence which may give rise to a Claim prior to the above cancellation date.","sources":[{"clause":"6.5(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-6-5-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording states Indian law and Pune courts for disputes, but does not state the geographic territory of insurance cover.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"This is a claims-made environmental pollution policy that indemnifies the insured, in excess of the deductible, against Loss. The Premises wording covers Pollution Conditions on, under or emanating from the Insured’s Own Site and related non-owned locations, transportation, covered operations and business interruption; the Project wording covers Pollution Conditions caused by Covered Operations.","display":"Claims-made environmental pollution losses for premises and project covered operations","note":null,"quote":"(Claims Made Basis) ... in excess of the amount of the Deductible, to indemnify the Insured in the manner and to the extent hereinafter stated against the Loss ... The Company will pay on behalf of the Insured, Clean-up Costs resulting from a Pollution Condition on or under the Insured’s Own Site provided: ... The Company will pay on behalf of the Insured, Loss that the Insured becomes legally obligated to pay as a result of a Claim for Bodily Injury, Property Damage or Environmental Damage resulting from a Pollution Condition that first commenced on or after the Retroactive Date shown in the Policy Schedule, caused by Covered Operations.","sources":[{"clause":null,"heading":"ENVIRONMENT PROTECT PREMISES","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-environment-protect-premises"},{"clause":null,"heading":"PREAMBLE","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-preamble"},{"clause":null,"heading":"A. Own Site Clean-up Costs","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239#c-a-own-site-clean-up-costs"},{"clause":null,"heading":"A. Legal Liability","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3243#c-a-legal-liability"}],"law":[]}],"documents":[{"kind":"wording","label":"Environment Protect Premises Policy Wordings","pages":22,"fetched_at":"2026-10-17 19:44:54+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/Environment-Protect-Premises/Environment-Protect-Premises-pw.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3239"},{"kind":"wording","label":"Environment Protect Project Policy Wordings","pages":21,"fetched_at":"2026-10-17 19:44:56+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/Environment-Protect-Project/Environment-Protect-Project-pw.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920/document/3243"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Environment Protect Premises (UIN IRDAN113CP0001V02201920), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/environment-protect-premises-irdan113cp0001v02201920"}