Covers any amount you become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental (including legal costs and expenses) bodily injury, death, illness or disease to any person who is not in your employment or who is not a close relative or member of your household Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you, a close relative, anyone in your employment or any member of your household other than any temporary holiday accommodation occupied (but not owned) by you.