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Cover is provided for compensation that a business is legally liable to pay to a third party, resulting from an injury to a third party or damage to their vehicle following an accident. Legal costs of the claimant and the defending party are covered. The policy also covers damage and or theft of the business’ own vehicles. The minimum cover required by Law is Third Party. Many policies also include Uninsured Loss Recovery to pay for legal costs to pursue a third party for uninsured losses such as policy excess and personal injury costs following an accident.