Page 98 - Hollard Private Portfolio

Personal liability
SECURITY-RELATED LIABILITY
In addition to the standard cover outlined in the preceding pages, you are also covered for the following:
Wrongful arrest
If your activities as a member of a Neighbourhood Watch (or similar voluntary non-profit organisation) result in the wrongful arrest or attempted wrongful arrest of an alleged suspect, we cover you for any sums of money that you may subsequently be liable to pay.
This is on condition that the alleged suspect is not a member of your family or household, or any person employed by you.
Activities of your security company
We cover your liability for any claims that may arise against you as a result of the fact that you use a legally registered security company to protect your insured property.
This includes the liability you may accept in your contract with the security company to indemnify them for events happening in and around your premises.
Electric fence
Your liability relating to the ownership of an electric fence which may lead to bodily injury or death.
EXTENDED PERSONAL LIABILITY
We cover you for the following under this benefit:
○ Legal liability for any event during the period of insurance:
– That is not covered by your underlying insurance policy. This means that it is excluded in the exclusions section in the underlying policy, or there is no mention of cover for it.
Underlying policy refers to an active insurance policy with one of the following:
○ A registered South African, Namibian, Botswanan or Mozambican insurer (underlying insurer) that covers
personal, property owner’s, tenant’s, motor or watercraft liability.
○ Any insurer (underlying insurer) in the world that covers:
– motor liability for any motor vehicle hired, leased or owned by you;
– watercraft liability for any watercraft owned by you; or
– property owner’s liability for any property owned by you
outside South Africa.
96 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020