Liability Takaful

Business activities of the individual or organization covered with us might result in accidental bodily injury or death, or direct damage to material property of a third party.  Liability Takaful provides coverage against legal liability to pay compensation to the third party.

Third Party/ Public Liability Takaful
There are various legal duties associated with ownership, use, occupancy or control of land. These include duties that an owner owes a tenant and vice versa, those which a tenant owes another tenant as well as those which a possessor owes a "third person", “third person” being someone not party to the lease and is either on the premises or in close vicinity 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 consumer of a product. It arises out of the 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. We safeguard our Participants’ interests with respect to all such due payments. This Takaful covers:

1. Accidental bodily injury or illness of any consumer;
2. Accidental loss or damage to property, caused by any goods sold, supplied, repaired, altered, treated or serviced by the Participant in connection with the business carried out;
3. All costs and expenses of litigation

1. recovered by the claimant against the Participant;

1. incurred, with the written consent of the Company, with respect to any investigation, defence and settlement of a claim made against the Participant.

Employer’s Liability Takaful
An employer may become liable to his employees on account of a development that can be traced back to the employer’s negligence. Our Employer's Liability Takaful protects the employer in such a case and will pay all amounts that the employer becomes legally liable to pay as compensation. In addition, this product will payfor legal fees incurred in preparing a defense in a court of law.

Contribution Payment Procedure:
Contributions are to be paid at the time of the membership’s inception. The procedure for payment of contributions is as follows:

1. After acceptance of the proposal, a temporary cover note is issued to the participant while risk inspection survey is carried out if required.
2. Upon successful inspection, the Participant’s Membership Document (PMD) is issued to the participant along with the billing receipt.
3. The participant is required to pay the contribution within 15 days of receiving the receipt.
4. The contribution is to be made via cheque or pay order in favor of “Pak-Qatar Genera Takaful Fund”, mentioning the name and PMD number at the back of the cheque.

Claims Reporting Procedure:
The claims management body follows standardized procedures and is available round the clock for assistance and prompt service delivery to Participants.

1. Contact the Claims Department at PQGTL Head Office via phone/email/fax/letter as soon as possible.
2. Notify the local law enforcement agency promptly.
3. Complete the Claims form and other related documents for timely processing of claims. Valid PMD is a prerequisite for entertainment of claims.
4. Claims notification can be carried out on the following numbers:
   
   
   1. Head Office Karachi Mr. Rashid Shah Khan: 0315-2005017
   2. Lahore Office Mr. Abdul Hameed/Mr. NasirShahzad: 0315-2005018
   3. Faisalabad Office Mr. Adnan/Mr. Mansoor Shams: 0315-2005019
   4. Islamabad Office Mr. NasirNoman/Mr. SaqibGhafoor: 0315-2005020