This policy provides indemnity in respect of the legal liability of the insured for accidental bodily injuries to and accidental damage to the property of members of the public by the insured or his employees in the course of their work, or by defects in the premises ways, works machinery or plant.

In addition, it also covers legal costs and expenses recoverable from the insured by the claimant and all expenses incurred by the insured with the consent of the insurer to the extent of their liability stated in the policy.

This policy can be extended to include the following risks:-

(i) Fire and explosion

(ii) Passenger Lifts

(iii) Food poising

(iv) Defective Sanitary Arrangement