The policy covers the sum which the insured shall be liable to pay as damages/compensation for claims made by subjects for death or injury or any other adverse reaction in the body as a result of participating in clinical trial. The term insured would include all stakeholders in the trial. The cover includes legal costs also. Breaches of data may also be covered. The policy is generally issued on NO Fault principle. The policy may be a single trial or multi trial policy. Post-trial coverage is also offered for a limited period as decided. The territorial limits are also specified. The policy does not extend to cover (i) Damages within permissible limits as are to be expected within such trials. (ii) Deliberate contravention of instructions by the subject (iii) Deterioration in condition which would normally have occurred even without the trial (iv) War and nuclear perils (v) Fines and Penalties.