{"uin":"IRDAN150CPLB0032V01202627","name":"Liberty Contaminated Products Insurance","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-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":"Liberty Contaminated Products Insurance indemnifies the insured for loss from insured events such as accidental contamination, malicious product tampering, product extortion, adverse publicity, alleged contamination, government recall and intentionally impaired ingredients. The policy applies to insured events anywhere in the world unless limited by endorsement or prohibited by U.S. law, with policy periods up to 1 year or long term up to 5 years.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:28:53.204234+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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy can be opted up to 1 year and long term up to 5 years.","display":"Up to 1 year; long term up to 5 years","note":null,"quote":"Policy Period: Policy can be opted up to 1 year and long term up to 5 years.","sources":[{"clause":"3","heading":"Policy Period","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11656#c-3"}],"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":"An insured event must be reported during the Policy Period or within 90 days after the Policy Period. The insured must also give immediate oral and written notice to Liberty with periodic and timely updates.","display":"Immediate oral and written notice; insured event to be reported during the Policy Period or within 90 days after the Policy Period","note":null,"quote":"arising out of an Insured Event first discovered during the Policy Period and reported during the Policy Period or within 90 days after the Policy Period. ... The Insured must make every reasonable effort to determine whether an Insured Event has actually occurred and must give immediate oral and written notice to Liberty with periodic and timely updates concurrent with activity occurring during the incident","sources":[{"clause":"1","heading":"Insuring Clause","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-1"},{"clause":"6.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-6-2-a"}],"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":["Initial Statement of Loss","Final Statement of Loss","Claim Form duly filled in & signed.","Claimant’s letter of allegations or the fact or circumstance that might give rise to a claim, writ or summons received, or letter of demand, etc.","A chronology of events and / or brief summary of the background to the claim.","the allegations were first made against the insured, the nature of the allegations, the identity and insured’s relationship to the third party making the allegations and any response made by the insured to the allegations.","a copy of the letter of service and the originating process","Copies of any other court documents","Formal investigation report with supporting documents","Claim value / estimate","Copies of investigative reports, internal memorandum or correspondence that will help the Company to understand the origin of the claim.","List of all individuals against whom allegations have been made","Any other document which may be required for processing of the claim."],"display":"Initial and Final Statements of Loss, claim form, claimant’s letter, chronology/background, allegation details, court documents, investigation reports, claim estimate, list of individuals and any other required document","note":null,"quote":"Initial Statement of Loss: The Insured must submit to Liberty no later than ninety (90) days from the date the Insured becomes aware of the event, an Initial Statement of Loss, stating the full particulars of the Loss and its initial calculations and/or projections of the elements and composition of the Loss. ... Final Statement of Loss ... Claim Form duly filled in & signed. ... Claimant’s letter of allegations or the fact or circumstance that might give rise to a claim, writ or summons received, or letter of demand, etc. ... A chronology of events and / or brief summary of the background to the claim. ... the allegations were first made against the insured, the nature of the allegations, the identity and insured’s relationship to the third party making the allegations and any response made by the insured to the allegations. ... a copy of the letter of service and the originating process ... Copies of any other court documents ... Formal investigation report with supporting documents ... Claim value / estimate ... Copies of investigative reports, internal memorandum or correspondence that will help the Company to understand the origin of the claim. ... List of all individuals against whom allegations have been made ... Any other document which may be required for processing of the claim.","sources":[{"clause":"6.2(b)","heading":"Initial Statement of Loss","page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-6-2-b"},{"clause":"6.2(a)","heading":"This should include","page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-6-2-a-2"},{"clause":"6.2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-6-2-b-2"},{"clause":"6.2(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-6-2-c"},{"clause":"6.2(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-6-2-d"},{"clause":"6.2(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-6-2-e"},{"clause":"6.2(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-6-2-f"}],"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":["Bioengineering, genetic engineering, or genetic modification of any Insured Product(s); hormone treatment of any Insured Product(s); or irradiation of any Insured Product(s), unless approved by the relevant regulatory authorities.","Transmissible Spongiform Encephalopathies (TSE), Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), or Avian Influenza Virus.","Insured Product(s) containing a carcinogen","Accidental Contamination, Intentionally Impaired Ingredients or Government Recall after the Insured has knowledge of a defect or deviation.","Intentional breach by the Insured of any governmental regulation","Any injury, damage or claim made by a third party arising out of or in connection with the use or consumption of the Insured Product","Land, water, growing crops or lawns; or the replacement of failure of any crops.","Insured Events of a competitor’s product that is similar to an Insured Product.","Deterioration, decomposition or transformation of the chemical structure of the Insured Product unless such deterioration, decomposition or transformation is a result of an Accidental Contamination; or any fungus.","Changes in population, customer tastes, economic conditions, seasonal sales variations or competitive environment.","Nuclear reaction, nuclear radiation or radioactive contamination, and war, invasion, hostilities, civil war, rebellion, revolution, insurrection, or military or usurped power.","Any costs associated with the expense to design or redesign, or engineer or re-engineer any product.","A product recall due to failure of an Insured Product to accomplish its intended purpose or expiration of the designated life of the Insured Product.","Terrorism, except when the Insured or an Insured Product is the direct target.","Cyber/data losses, except Cyber Tampering, and specified Cyber Tampering physical property, software remediation, higher functionality, Extortion Costs or Extra Expenses."],"display":"Main exclusions include bioengineering/genetic modification, TSE/COVID-19/SARS-CoV-2/avian influenza, carcinogens, known defects, intentional regulatory breach, third-party injury claims, land/crops, competitor products, deterioration/fungus, market/economic changes, nuclear/war, redesign costs, certain product recalls, terrorism and cyber/data losses","note":null,"quote":"The Policy does not apply to any Loss which arises out of or is in any way connected with: ... (a) Bioengineering, genetic engineering, or genetic modification of any Insured Product(s);\n(b) hormone treatment of any Insured Product(s); or\n(c) irradiation of any Insured Product(s). unless such process as applied to the Insured Product is approved by the relevant regulatory authorities. ... (a) Transmissible Spongiform Encephalopathies (TSE);\n(b) Coronavirus (COVID-19);\n(c) severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); or\n(d) Avian Influenza Virus. ... arising out of Insured Product(s) containing a carcinogen, regardless of whether such carcinogen is shown to have other non-carcinogenic effects . ... Any Accidental Contamination, Intentionally Impaired Ingredients or Government Recall that occurs after the Insured has knowledge of a defect or deviation ... Intentional breach by the Insured of any governmental regulation ... Any injury, damage or claim made by a third party arising out of or in connection with the use or consumption of the Insured Product ... (a) Land, water, growing crops or lawns; or\n(b) The replacement of failure of any crops due to any cause including weather or pests. ... Any Accidental Contamination, Alleged Contamination, Intentionally Impaired Ingredients, Government Recall, Malicious Product Tampering, Adverse Publicity or Product Extortion of a competitor’s product that is similar to an Insured Product. ... Deterioration, decomposition or transformation of the chemical structure of the Insured Product unless such deterioration, decomposition or transformation is a result of an Accidental Contamination. ... any fungus. ... Changes in population, customer tastes, economic conditions, seasonal sales variations or\ncompetitive environment. ... Nuclear reaction, nuclear radiation or radioactive contamination ... Any proximate or remote consequence, whether direct or indirect of war, invasion, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power. ... Any costs associated with the expense to design or redesign, or engineer or re-engineer any product. ... that is initiated due to the failure of an Insured Product to accomplish its intended purpose, including any breach of warranty of fitness or quality, whether written or implied; or\nb) that is initiated due to the expiration of the designated life of the Insured Product. ... Terrorism. This exclusion shall not apply when the Insured or an Insured Product is the direct target of such acts of Terrorism. ... Any losses arising from ... This exclusion shall not apply to Cyber Tampering. ... In respect of Cyber Tampering, the Policy will not apply to","sources":[{"clause":"5","heading":"Exclusions","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5"},{"clause":"5.1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-1"},{"clause":"5.2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-2"},{"clause":"5.3","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-3"},{"clause":"5.4","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-4"},{"clause":"5.5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-5"},{"clause":"5.6","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-6"},{"clause":"5.7","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-7"},{"clause":"5.8","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-8"},{"clause":"5.9","heading":"Changes in population, customer tastes, economic conditions, seasonal sales variations or","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-9"},{"clause":"5.10","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-10"},{"clause":"5.11","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-11"},{"clause":"5.12","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-12"},{"clause":"5.14","heading":"A product recall","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-14"},{"clause":"5.15","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-15"},{"clause":"5.16","heading":"Any losses arising from","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-16"},{"clause":"5.17","heading":"In respect of Cyber Tampering, the Policy will not apply to","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-5-17"}],"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 Liberty by toll-free number, email or writing to Customer Service. If the response or resolution does not meet expectations, escalate to Manager@libertyinsurance.in and then Servicehead@libertyinsurance.in before approaching the Insurance Ombudsman.","display":"Call 1800-266-5844, email care@libertyinsurance.in or write to Customer Service; escalate to Manager@libertyinsurance.in, then Servicehead@libertyinsurance.in","note":null,"quote":"please follow the below steps:\nStep 1 | Step 2\nCall us on Toll free number: 1800-266-5844 ... Email us at: care@libertyinsurance.in ... Manager@libertyinsurance.in ... Servicehead@libertyinsurance.in ... In case you are not satisfied with the decision or resolution provided by Liberty, you may approach the Insurance Ombudsman for redressal.","sources":[{"clause":"7.22","heading":"Grievance Redressal Procedure","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-7-22"}],"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":["Accidental Contamination","Malicious Product Tampering","Product Extortion","Adverse Publicity","Alleged Contamination","Government Recall","Intentionally Impaired Ingredients"],"display":"Accidental Contamination, Malicious Product Tampering, Product Extortion, Adverse Publicity, Alleged Contamination, Government Recall and Intentionally Impaired Ingredients","note":null,"quote":"Insured Events means: ... Accidental Contamination. ... Malicious Product Tampering. ... Product Extortion. ... Adverse Publicity. ... Alleged Contamination. ... Government Recall; and ... Intentionally Impaired Ingredients.","sources":[{"clause":"2","heading":"Insured Events","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-2"},{"clause":"2.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-2-1"},{"clause":"2.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-2-2"},{"clause":"2.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-2-3"},{"clause":"2.4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-2-4"},{"clause":"2.5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-2-5"},{"clause":"2.6","heading":"Government Recall; and","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-2-6"},{"clause":"2.7","heading":null,"page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-2-7"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording says the Self Insured Retention is stated in the Schedule and applies to each Insured Event, but the supplied clauses do not print the amount.","quote":null,"sources":[],"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 by written notice. If no claim has been made, Liberty retains premium for the time on risk; the annual short period scale gives 100% refund up to 7 days, pro rata refund from 8 to 270 days, and 0% from 271 to 365 days. No refund applies for short term policies of less than one year or for a policy on which a claim has been lodged.","display":"Written notice; if no claim, refund is 100% up to 7 days, pro rata for 8 to 270 days, and 0% for 271 to 365 days","note":"For policies issued for more than 1 year, subsequent-year apportionment rules apply as printed in the cancellation scale.","quote":"Cancellation by the Insured: The Insured may cancel this Policy by giving written notice to Liberty. ... If the Policy is cancelled, Liberty shall be entitled to retain a pro-rata proportion of the premium for the time it has been on risk provided that no claim has been made on the Policy. ... Up to 7 days | 100% ... 8 to 270 days | Pro Rata ... 271 to 365 days | 0% ... Note: No refund shall be applicable in case of Short Term Policies issued for a period less than one year. ... No Premium refund shall be made in respect of Policy on which Claim has been lodged by the Insured or a person on behalf of the Insured, whether such Claim was admitted or repudiated.","sources":[{"clause":"7.2","heading":"Cancellation","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-7-2"},{"clause":null,"heading":"Annual Short Period Cancellation Scale","page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-annual-short-period-cancellation-scale"}],"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":"quote-verified","value":"This policy applies to an Insured Event anywhere in the world unless specifically limited by the Company through endorsement or where prohibited by U.S. Law.","display":"Anywhere in the world unless limited by endorsement or prohibited by U.S. Law","note":null,"quote":"This Policy applies to an Insured Event anywhere in the world unless specifically limited by the Company through endorsement or where prohibited by U.S. Law.","sources":[{"clause":"7.15","heading":"Territory","page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-7-15"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy indemnifies the insured for Loss arising out of an Insured Event affecting Insured Product(s). Insured Product(s) are topical and ingestible products for human use or consumption, or their ingredients, components or packaging, that meet the policy’s disclosed/manufactured/handled/distributed/prepared-for-sale criteria.","display":"Loss from Insured Events affecting topical and ingestible Insured Product(s) for human use or consumption, including ingredients, components or packaging","note":null,"quote":"Liberty will indemnify the Insured for Loss, in excess of the applicable Self-Insured Retention up to the applicable Limit of Liability specified in the Schedule, arising out of an Insured Event ... Insured Product(s) means:\na) All topical and ingestible products for human use or consumption, or any of their ingredients, components or packaging, that have been disclosed to Liberty on the Proposal or by addendum to the Proposal","sources":[{"clause":"1","heading":"Insuring Clause","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-1"},{"clause":"4.19","heading":"Insured Product(s)","page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685#c-4-19"}],"law":[]}],"documents":[{"kind":"wording","label":"Liberty Contaminated Products Insurance - Policy Wordings","pages":19,"fetched_at":"2026-10-17 19:54:38+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Contaminated%20Products%20Insurance%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11685"},{"kind":"prospectus","label":"Liberty Contaminated Products Insurance - Sales Literature & Prospectus","pages":8,"fetched_at":"2026-10-16 05:11:47+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Contaminated%20Products%20Insurance%20-%20Sales%20Literature%20&%20Prospectus.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11656"},{"kind":"brochure","label":"Liberty Contaminated Products Insurance - Brochure","pages":2,"fetched_at":"2026-10-17 19:44:14+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Contaminated%20Products%20Insurance%20-%20Brochure.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627/document/11530"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Liberty General Insurance official website","url":"https://www.libertyinsurance.in/","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 assistance","url":"https://www.libertyinsurance.in/claims/claims-assistance.html","note":null},{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.libertyinsurance.in/claims/health-claims.html","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.libertyinsurance.in/claims/motor-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":"Grievance redressal","url":"https://www.libertyinsurance.in/customer-support/grievance-redressal.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."},{"purpose":"renew","kind":"insurer","name":"Car insurance renewal","url":"https://www.libertyinsurance.in/products/motor-insurance/car-insurance-renewal","note":null}],"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":"Liberty Contaminated Products Insurance (UIN IRDAN150CPLB0032V01202627), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/liberty-contaminated-products-insurance-irdan150cplb0032v01202627"}