The injury or harm should have been caused in connection with the trade or business acknowledged within the coverage wording. However, it's traditional to increase cowl to include any ancillary actions of the insured; for example, first-help facilities, canteens, non-public hearth brigade and ambulance companies and any personal work carried out for any director, companion or worker of the corporate. Even if the business was not the reason for alleged damage or harm, the costs and expenses incurred in taking legal recommendation and defending an action in courtroom could be substantial. For example, if a poorly maintained sign falls off a store front, damaging a customer's automobile, the insured's public legal responsibility policy will cowl the cost of repairs to the vehicle.