This coverage addresses negligence on the part of owner or occupier
Anyone who owns and occupies premises should not be too resistant
in accessing this cover. Sometimes it is not the owner's responsibility
for damages or injuries caused, it could be the occupiers.
However, this will be determined in a court of law, for which the
policy covers legal costs.
This coverage is similar to premises risk ,but also, addresses negligence
on the part of the manufacturer of a product.
As is the case for recalled items. Example: Firestone Tires - manufacturers