It is about covering you if you are found responsible of damages/injury (material or physical) caused to a third party. It must be unintentional of course!
Be aware that are not considered as third party the following people: your relatives, your coworkers and people traveling or living on site, with you.
Therefore, if you cause them any damage, the insurance coverage will not work.
This answer only relates to: Cap Assistance 24/7.