insurance paying or rendering service on behalf of an insured for loss arising out of legal liability to others, an insurance which covers the insured against third party claims or, in the case of employer’s liability insurance, claims by employees, subject to specified terms and conditions., insurance for damages that a policyholder is obliged to pay because of bodily injury or property damage caused to another person or entity based on negligence, strict liability or contractual liabilit, kindlustus, kus risk on seotud kindlustatu vastutusega kolmandate isikute suhtes