Provides indemnity to the insured against all sums that they shall be legally liable to pay for compensation in respect of: (subject to the limits of liability).

• Death or bodily injury to any person other than a person in the service of or acting in any capacity either for the insured or for any sub-contractor to the insured.
• Damage to property other than property belonging to or held in trust by or in the control of the insured, his employees or sub-contractors where such damage is not recoverable under any other insurance policy;
• Damage due or alleged to be due to the defective nature of the product or harmful nature of any product or par thereof or which fails to perform the function for which it was manufactured, designed, sold, supplied, installed, repaired, altered, treated or recommended by the insured.