The Company will indemnify the insured against their legal liability to pay compensation including Claimant’s costs, fees and expenses anywhere in India in accordance with Indian Law. The Policy applies to non-industrial risks such as Hotels, Motels, Club Houses, Restaurant, Boarding and Lodging Houses, Flight Kitchens, Cinema Halls, Auditoriums, Theatres, Public Halls, Pandals, Open Air Theatres, Residential Premises, Offices/Administrative Premises, Medical Establishments, Institutions, Airport Premises (other than aviation liabilities), Schools/Educational Institutions, Libraries, Exhibitions, Fairs, and Fetes, Stadiums and Pandals, Permanent Amusement Parks, Film Studios – Indoor & Outdoor, Zoos, Depots, Warehouses, Godowns, Shops, Tank Farms and similar other non-industrial risks with aggregate limits of indemnity any one year/during the policy period. 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, Cover for multiple units, Act of God perils.