This policy provides you coverage for your legal liability to compensate third parties who suffer accidental injury or dead or property damage caused by the negligence of your business operation. If you own a premise where the general public frequents then you will need to have this coverage.

To indemnify the Insured against:
1) All sums which the Insured shall become legally liable to pay for compensation in respect of
   a) bodily injury or dead to third parties
   b) loss of or damage to property third parties
occurring within the Territorial Limits during the Period of Insurance as a result of an accident and happening or caused in connection with the Insured’s Business as described in the Schedule

2) All costs and expenses of litigation
   a) recovered by any claimant against the Insured
   b) incurred with the written consent of the Company
in respect of a claim against the Insured for compensation to which the indemnity expressed in this Policy applies.