If out of the negligence of the insured within his premises, a third party is injured or loses property. Public liability insurance protects the insured against the costs resulting from the suits that the third party may institute against him.

This is a policy that indemnifies the manufacturer if the consumption of his product causes harm or financial loss to a consumer.

This is an insurance policy that covers the insured from losses that may result from professional malpractice. Examples of professionals covered include lawyers, valuers, engineers, auditors, medical practitioners, pharmacists etc.