Public Liability: Damages for which a business shall become legally liable for, following accidental death or injury to any person or accidental loss or physical damage to third party property whilst in the course of business.

Defective Workmanship: Resultant physical loss or damage following defective servicing or repair.

Products Liability: Damages incurred as a result of defective goods sold or supplied by manufacturers or suppliers.

Employer’s Liability: Liability incurred by employers following occupational injury to employees who do not fall under the “Compensation for Occupation Injuries and Diseases Act”.