所承保之保險標的物因火災、閃電雷擊、爆炸或意外事故所致之煙燻，致第三人遭受體傷、死亡或財產損害時，責任在於被保險人則可請求負賠償責任。

Covers liability for third-party bodily injury, death, or property damage caused by fire, lightning strike, explosion, or smoke damage from accidental incidents involving the insured property, when the insured is legally liable.