This insurance is intended to provide an indemnity to the insured (upto the limit of liability) in the event of a claim being brought against him. This may be caused by anything harmful or defective in the products sold or supplied by the insured in connection with the business specified. The Company in addition will reimburse all costs and expenses incurred with its written consent defending such a claim for compensation. The insurance will however not cover the cost of removing, replacing or repairing defective products or loss of use thereof.

Liability Covered
The policy seeks to indemnify the insured against his legal liability to pay compensation (including claimants costs, fees and expenses) in respect of injury damage or pollution for third parties for claims arising out of accidents due to any defects in the products specified in the policy during the period of the insurance and first made against the insured during the policy period. For the purpose of determining the indemnity granted:
1. Injury shall mean death, bodily injury, illness or disease of or to any person
2. Damage shall mean actual and / or physical damage to the atmosphere or of any water, land or other tangible property

3. Pollution shall mean pollution or contamination of the atmosphere or of any water, land or other tangible property
4. Product shall mean any tangible property after it has left the custody or control of the Insured which has been designed, specified, formulated, manufactured, constructed, installed, sold, supplied, distributed, treated, serviced, altered or repaired by on behalf of the Insured
5. Accident shall mean a fortuitous event or circumstance which is sudden, unexpected and unintentional including resultant continuous,intermittent or repeated exposures arising out of the same fortuitous event or circumstances

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