Page 96 - Hollard Private Portfolio

Personal liability
GENERAL PERSONAL LIABILITY Accidental death, bodily injury or illness
We cover your liability for accidental death, bodily injury or illness sustained by third parties anywhere in the world.
Accidental loss or damage
We cover your liability for accidental loss or damage to property anywhere in the world.
Legal costs
As part of an insured event, we will pay for any legal costs recoverable from you or incurred with our consent.
TENANT’S PERSONAL LIABILITY
In the home you are renting
If you are renting the home you live in (i.e. you are a tenant), we cover you for the following instances of personal liability towards the property owner:
○ damage to the building caused by an insured event specified under "Household Contents"
○ damage to fixed sanitary-ware (for example, the bath or washbasin) or fixed glass (for example, windows or
mirrors)
○ damage to water, gas, sewerage, electricity or telephone connections to the building or outbuildings.
Towards your domestic worker
If you are a tenant, we also cover you for the following instances of personal liability towards your domestic worker, provided that these arise out of their employment duties:
○ loss or damage to their property
○ bodily injury or death.
This cover overrides any exclusion around domestic workers that may feature elsewhere in this policy.
PROPERTY OWNER’S LIABILITY
For the home you own
If you own the private home, we cover you for the following instances of personal liability:
○ ○
loss or damage caused by an insured event specified under the Buildings section
death, bodily injury, loss or damage that arises directly out of your ownership of the home specified under the Buildings section.
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Hollard Private Portfolio – Version 3.0.0 – 20 April 2020