Public Liability :

This policy covers the insured’s liability at law against any:

• Accidental loss or damage to material property pertaining to third parties.
• Accidental bodily injury or illness to any third party person.
• Cost and expenses as a result of the above.

Tool of Trade Liability:

Similarly to the Standard Public Liability policy this policy covers the insured’s liability at law against any:

• Accidental loss or damage to material property pertaining to third parties.
• Accidental bodily injury to any third party person.
• Cost and expenses as a result of the above.

happening on a construction site resulting from the use of a mechanical plant when this is being used as a tool of trade.

Employers Liability:

This policy covers the insured (employer) against:

• Liability at law to pay compensation and claimants costs in respect of injuries to any employee of the insured subject such injury was sustained during the course of the employee’s employment.
• Any wages the insured must pay the employee during injury leave