The Insurer shall indemnify for legal liability of the Insured to loss or damage or all costs and expenses of litigation arising from the Business and occurring within the Geographical Limits during the Period of Insurance.
The indemnity expressed in this Policy shall not apply to:
- Liability results from a deliberate act or omission of the Insured,
- Loss or damage to the employees of the Insured,
- Liability assumed by the Insured by agreement and which would not have attached in the absence of such agreement.