What is a third party claim?
A third party claim is a claim brought against you by another person.
Does our policy cover a member of the public or an employee who sustains an injury?
Your policy covers you against a member of the public who sustains an injury and claims that you are liable. Your policy does not cover an injury to an employee; a claim of this nature would be handled under your employees' compensation policy.
A customer falls at our store and sustains an injury but does not file a claim against us. Do we need to report the incident to you, our insurance company?
Yes. You should notify us in writing after the incident, whether or not a claim has been made.
Our office's toilet has overflowed causing water leakage to the premises below our office. The owner of premise below asked us to pay for the water damage to his property. Should we pay him for the damages?
No. You are not allowed to make any payment to a claimant without our prior written consent.