Under the terms and conditions of this policy, you be be indemnified for all amounts which the policy holder becomes legally liable to pay as compensation arising out of personal injury that occurs during the cover and as a result of an occurrence within the territorial limits in connection with the business.
For example
If a child enters your vacant land to retrieve a football they have accidently kicked and accidently injurs themselves you could become legally liable.
Sadly, even a person who injurs themselves while illegally trespassing may be able to seek legal compensation.