This policy protects the policyholder:
- In respect of legal liability to third parties for accidental bodily injury to any person, death and disease or illness
- Against loss or damage to material property for which the insured may be held liable and occurring during the period of insurance
- For obstruction, trespass, nuisance or interferences with any right of way, light or water which may arise out of and in connection with the business of the policy holder.
- The policy also pays for a claimants’ cost and expenses, including expenses incurred with the written consent of the insurer and the cost of representation.