This policy is designed for any entity like owners, company, industry, factory, business or traders and alike who have a legal (tort / non contractual) obligation of due care against the member of the public or others. This insurance cover focuses on civil wrongs,  breach of due care (standard by which one would expect to be treated) on the eye of law.

This policy will indemnify  the insured against all sums which the  insured become legally liable to pay for compensation in respect of bodily injury, death, permanent or temporary disability or illness of any person; loss of or damage to property, all costs and expenses of litigation and other related costs and expense.