A human error or mistake can occur anytime which when takes place in the conduct of profession could cause heavy loss, Damage of property or injury to the body to others. The plan encompasses all sums which the insured professional becomes legally responsible for payment as damages to the external party regarding any error along with or omission on his/her part committed whilst rendering professional service. The policy covers legal expenses also. Only civil liability claims are covered. The policy may be utilized by doctors / engineers / architects/ lawyers and chartered accountants.