The Insurance Policy shall cover applies to Industrial and storage risks such as Depots, Warehouses, Godowns, Tank farms etc with aggregate limits of Indemnity any one year/during the policy period within the geographical limits of India. Policies shall cover all sums which the Insured becomes legally liable to pay as damages to third party in respect of accidental death/bodily injury/disease and loss of or damage to property arising out of claims first made in writing against the Insured during the Policy period, including legal costs and expenses incurred with prior consent of Insurers, subject always to the limits of indemnity and other terms, conditions and exceptions of the policy. It shall not be permissible to issue a Public Liability Policy with unlimited liability. The maximum ratio of limit of indemnity any one accident to any one year shall not exceed 1:4. Policy can be extended to cover Pollution Risks, Transportation risks outside Insured’s Premises, Cover for multiple units, Act of God perils, Technical Collaborators Liability For the purpose of rating industries are classified under four groups. The Company will indemnify the insured against their legal liability(other than liability under the Public Liability Insurance Act, 1991 or any other Statute that may come into force after the issue of this policy) to pay compensation including Claimant’s costs, fees and expenses anywhere in India in accordance with Indian Law. INDEMNITY LIMITS: Company’s total liability to pay compensation, Claimant’s costs, fees and expenses and defence costs shall not exceed the Any One Indemnity limit stated in the Schedule. Indemnity Limit applies to any one claim or series of claims arising from one originating cause. Any One Year Indemnity Limit shall represent the total amount of Company’s Liability during the Policy period.