It insures business concerns against their legal liability in respect of death or bodily injury to third parties and losses/damage to third party property. For example, an insured?s liability to a client going to the insured?s office that falls and is injured from a faulty staircase may be compensated under this policy.
This covers the insured?s legal liability arising from defects in products manufactured or supplied by him.
This covers a professional against his legal liability to third parties incurred whilst engaged in his profession. For example, a legal claim against a Medical Officer who negligently prescribed a wrong drug to a patient. The Medical Officer may fall on his professional indemnity insurers to bail him out.
if it must be done, it must be Donewell.