The insurance must guarantee compensation, both to users of the installation and to any other person, for personal injury or damage to property resulting from :
1° Accidents, fires or explosions caused by the equipment mentioned in article R. 220-1, in the course of its operation, by the accessories or products used in this operation and by the persons, objects or substances transported or hauled in;
2° The fall of these persons, equipment, accessories, products, objects or substances.