Policy covers legal liability of Hotel owners for: (a) Accidental bodily injury (including death) of any visitor or guest including while using facilities such as Health clubs, Beauty parlors, Hair dressers Shops, Swimming Pools (life guard provided or not), Sports (indoor-Table Tennis, Squash, Bowling, etc.), (outdoor: Boating, Deep Sea Diving etc, Skiing, Hang Gliding, Sky Diving etc) (b) Accidental damage to the property of any visitor or guests. (c) Injuries (including death) due to food poisoning. (d) Loss of visitors property from the premises. The Policy covers legal liability only if both injury or damage is caused through fault or negligence of (i) the insured (ii) the insured’s contractor (iii) any of its employees or (iv) defect in the ways, works, machinery or plant.