Damages which the insured shall be legally liable for following accidental:

• Death, bodily injury to, or illness of any person; or
• Accidental loss of or physical damage to tangible property, in the course of or in connection with the business.

Some common extensions to Public Liability cover would be:

1. Products Liability;
2. Defective workmanship liability;
3. Legal defence costs;
4. Wrongful arrest and defamation;

For liability insurance, special wordings are developed to meet individual circumstances. Damages are dependent upon the insured being legally liable to pay. The liability policy is not a form of All Risks cover, covering anything which may go wrong or to pay out in cases where merely a moral responsibility is thought to exist.