Public Liability Policy (Industrial / Non-industrial Risks) - covers liability arising out of fault / negligence of the insured causing third party personal injury or property destruction [TPPI OR TPPD]
Product liability policies cover liability of the insured related to defect in the product causing death, bodily injury or illness or even damage to the property of third parties.
Professional indemnities are designed to provide insurance protection to professional people against their legal liability to pay damages arising out of negligence in the performance of their professional duties.
Motor own damage claim is assessed on the basis of surveyors report.It may require police report if third party damage is involved
Standard claims - which are clearly within the terms and conditions of the policy.