The Policy protects an insured person or organization against their legal liability to members of the public (third parties) arising from:-

(i) Death or bodily injury to third parties

(ii) Loss or damage to third party property

occassioned out of and in the course of the insured's normal business within the premises or a defined geographical location

The policy also covers the costs of defending any suit brought against the insured (defence costs) in addition to any court award that may be made against the insured by a court of law in Kenya