It is suitable for all organizations, especially those with physical premises, manufacturing units, or customer-facing operations where third-party interactions are frequent.

The policy covers compensation for damages, legal defense costs, settlements, and judgments arising from covered claims.

Exclusions usually include intentional acts, professional errors, product recalls, contractual liabilities, and employee injuries (covered separately under Workmen Compensation).

Yes, the policy can be extended to include product and completed operations liability, tenants’ liability, and additional insureds as required.