The policy covers the amount the insured is legally liable to pay as damages to third parties consequent upon:
- Accidental bodily injury or illness of any person whether fatal or not
- Accidental loss of or damage to property occurring in connection with the insured business.
It also covers legal costs and expenses recovered against the insured by any successful claimant.
Products liability as an extension to the Public Liability pays or compensates third parties for whom the insured is legally liable against accidental death or bodily injury and property damage caused by the insured’s products to the public or consumers.