Foundation doctor

Why do I need indemnity?<svg class="accordion-trigger-icon" width="24" height="24" viewBox="0 0 22 14" xmlns="http://www.w3.org/2000/svg"><path d="M10.9998 8.79003L2.94434 0.734192L0.706421 2.97211L10.9998 13.2659L21.2935 2.97211L19.0556 0.734193L10.9998 8.79003Z">

What is ‘occurrence based’ indemnity?<svg class="accordion-trigger-icon" width="24" height="24" viewBox="0 0 22 14" xmlns="http://www.w3.org/2000/svg"><path d="M10.9998 8.79003L2.94434 0.734192L0.706421 2.97211L10.9998 13.2659L21.2935 2.97211L19.0556 0.734193L10.9998 8.79003Z">