A Liability Insurance arises under the Common law on the basis of Negligence or under statutory law (For E.g. - Public Liability Insurance Act or Workman's Compensation Act) or 'no-fault basis, that is even when there is negligence. The purpose of a Liability Insurance Cover is to provide indemnity in respect of the damages payable under the law for any personal injury to the Third Party or Damage to the third party property.

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Marine Insurance covers any loss of damage to the ship, cargo, terminal and any transport of cargo by which property is transferred, acquired or held between the point of origin and final destination. Marine Insurance plays a vital role in the field of overseas commerce and internal trade of a country.

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