Liability Takaful

Liability Takaful provides coverage against legal liability to pay compensation to any third party for accidental bodily injury or death and/or direct damage to the material property of any third party arising due to any accident caused by Participant’s business activities. Our Liability Takaful product provides compensation in respect of legal liability by law to third party for Bodily injury and / or death and Property damage.

Third Party/ Public Liability Takaful

• Premises Liability
  Exposures arise from the legal duties associated with the ownership, use, occupancy, and/or possession and control of land. These include the duties an owner owes to a tenant, the duties a tenant owes to an owner, the duties one tenant owes to other tenants, and the duties a possessor owes to a "third person" - that is, a person who is not a party to the lease and who is on the premises (or in the vicinity thereof) for a reason other than to work as an employee of the processor.
  
• Products Liability Takaful
  Product Liability is the legal responsibility of the manufacturer, distributor, or retailer to the user or consumer of a product. The liability arises out of the manufacture distribution, or sale of an unsafe, dangerous, or defective product, and the failure of the manufacturer, distributor, or retailer to meet the legal duties imposed with respect to the particular product. PQGTL safeguards Participant interest for all such due payments.
  
• Employer’s Liability Takaful
  An employer may become liable to his employee if due to the negligence of the employer the employee is injured at work. Our Employer's Liability Takaful policy will protect the employer in such a case and will pay all sums that the employer becomes legally liable to pay to his employee as compensation. In addition, it will pay for legal fees incurred in preparing a defense in a court of law. Any penalties herein are not covered.

Contribution Payment Procedure

• The contribution payment shall be made by cheque or pay order in favor of “Pak Qatar General Participant Takaful Fund” mentioning the name and PMD number at the back of payment instrument.

Claim Reporting Process

• To report a claim, contact Claims Department Head Office – Pak Qatar General Takaful Limited or nearest Branch via phone/fax/email or letter immediately. 
• Also, local Law Enforcement Agencies shall be reported on urgent basis (if applicable).
• Participant shall complete the claim form and furnish other requisite documents for prompt processing of claim.
• Claim Hotlines:
  Karachi : 0315-2005017
  Lahore : 0315-2005018
  Islamabad : 0315-2005019
  Faisalabad : 0315-2005020
  claims@pakqatar.com.pk