A) Protects the insured against liabilities arising from death, injury, disease, loss or damage caused to another party.

B) Specific covers exist for liability arising out of:

1. Bodily injury or death to employees during their employment
2. Injury or Damage to the Public including if it is due to the insured’s products
3. Decisions made as a director, officer or key manager of a company for alleged wrongful acts
4. Financial loss incurred due to a professional’s failure to exercise their duty of care who works in a regulated business (e.g. Insurance Brokers, Banks, Accountants, etc).
5. Owning or operating an aircraft for commercial purposes
6. Cyber attacks
7. Owning or operating an airport
8. Pets who cause injury or property damage to third parties.

C) Additional contingent covers can be purchased for higher limits beyond the existing arrangements (umbrella liability for general liability cover or contingent liability for motor insurance, as examples).

D) Can be extended to cover costs of defence, advertising liability, food and drinks, legal defence costs, etc.