Page 81 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal liability
Renting out your home
If you own the private residential building that you have let or rented out to a tenant, 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.
Your tenants are regarded as third parties for the purpose of this cover.
Towards paying guests
We will cover you for legal liability towards paying guests, who are injured or die because of an accident that happens
at your risk address.
SPREAD OF FIRE LIABILITY
If you have Buildings or Household contents cover under this policy then you automatically get Spread of Fire Liability
cover.
We will cover your legal liability resulting from the spread of fire from your premises. This is on condition that you
comply with all the requirements of the National Veld and Forest Fire Act (if applicable).
Cover is limited to the amount stated in your policy schedule for plots and farms. A plot (also referred to as a smallholding
or agricultural holding) or a farm is a property that has been zoned for agricultural use. This does not necessarily mean
that the property is used for agricultural purposes.
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
We cover 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.