a) Public Liability Insurance (PL):

It covers the sums the Insured has to pay, as civilly liable in accordance with law, as a compensation for damages caused involuntarily to third parties.

b) Employer’s Liability Insurance (EL):

It covers the sums the Insured has to pay, as civilly liable in accordance with law 10 and 11 of D.P.R. 30th of June 1965, n. 1124, towards employees for personal injury by accident that may occur with extension to biological damage (Inail/Inps contribution).