• This policy covers the amount which the insured becomes legally liable to pay as damages to third parties as a result of accidental death, bodily injury and loss or damage to the property belonging to a third party.
• The legal cost and expenses incurred in defending the case with prior consent of the insurance company are also payable subject to certain terms and conditions specified in the policy.
• One can insure more than one business unit situated in different locations under a single policy.
• The policy offers a benefit of retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier periods after first inception of the policy, also become payable.

• Our policy does not pay for liability losses: of injury to insured’s employees.
• Arising out of property in insured’s custody or control.
• Arising out of an insured's product.
• Arising out of loss of use of tangible property.
• Arising out of explosion or collapse of boilers, steam generators or other vessels under pressure.
• Arising out of the ownership possession and use of aircraft, watercraft or hovercraft.
• Assumed by the insured under any contract or agreement except to the extent that such liability would have been implied by law.
• Caused by radioactivity, war and terrorism.
• Arising out of professional errors or omissions.
• In respect of fines and penalties.
• Arising out asbestos.

Refer to the policy wordings for further details.