This type of insurance is designed to protect the insured against his legal liability at Law to third parties for:

• Accidents causing Death or Boldly injury (including illness) to members of the public (ie accidental happenings)
• Accidental loss of or damage to the property of members of the public (ie physical damage)

The indemnity insured against is only related to legal liability of care resulting from the business of the insured or premises insured under the policy. The Firms, Cinemas or Theaters, Hotels, Educational Institutions etc. Every person has a duty to his fellow man to regulate his conduct, the condition of his property and the activities of his employees so as not to cause injury to others or damage to their property.