Page 80 - Hollard Private Portfolio - Version 3.5

78 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal liability
What we cover you for
GENERAL PERSONAL LIABILITY
If you have Buildings or Household contents cover under this policy then you automatically get General Personal Liability
cover.
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
If you have Household contents cover under this policy then you automatically get Tenant’s Personal Liability cover.
In the home you are renting
We will cover your legal liability as a tenant towards the owner of your home, as far as it relates to the loss or damage
to property which you are responsible for under your rental or lease agreement.
You are not covered for the following:
○ Liability caused by fire or any other insured event against which you have to insure your home, under your
rental or lease agreement.
○ Liability because you did not comply with the terms of any insurance policy covering your home, which resulted
in the insurance claim being rejected.
Towards your domestic employee
If you are a tenant, we also cover you for the following instances of personal liability towards your domestic employee,
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 employees that may feature elsewhere in this policy.
PROPERTY OWNER’S LIABILITY
If you have Buildings cover under this policy then you automatically get Property Owner’s Liability cover.
For the home you own
If you own the private residential building, 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.
Towards your domestic employee
If you own the private residential building, we also cover you for the following instances of personal liability towards
your domestic employee, 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 employees that may feature elsewhere in this policy.