This policy witnessed that subject to the terms, conditions and exceptions annexed hereto or endorsed hereon to the limit of liability the insurers will indemnify the insured against all sums which the insured shall become legally liable to pay in respect of accidental bodily injury to any person accidental loss of or accident damage to property happening during the period of insurance and caused in the course of the Business at the Premises or elsewhere within the Territorial limits.

The insurers will in addition pay all costs and expenses incurred with their written consent.

In the event of the death of the insured the insurers will in respect of the liability incurred by the insured indemnify the insured's legal personal representatives in the terms of and subject to the limitations of this policy provided such representatives shall as thought they were the insured observe, fulfill and be subject to the terms, conditions and exceptions of this policy in so far as they can apply.

The cost varies with the risk exposure and is calculated at a rate applied to the amount insured. The premises usually need to be surveyed to assess the existing hazards as well as to make necessary recommendations in order to reduce the risk of loss. These messages offer a brief description only. The actual policy wording prevails.