Page 84 - Hollard Private Portfolio - Version 3.5

82 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal liability
Social discrimination
We do not cover any loss or damage for claims arising directly or indirectly from acts of actual or perceived social
discrimination. This includes but is not limited to allegations of discrimination in the form of race, gender, religion, sexual
orientation or disability. This clause applies regardless of whether the social discrimination was intentional or not.
Additional cover you can choose
Business liability
This particular element of Personal Liability cover is optional, and is valid only if you asked for it when you took out your
policy. Please check your policy schedule to see if it applies to you.
You are covered for personal liability that arises out of your employment, business or profession. It includes any legal
liability arising out of the actions of your employees while undertaking deliveries or collections at your clients’ premises.
However, this cover does not include liability for the following:
○ damage to any property you have been working on that is the direct result of that work
○ any contract for the performance of work
○ loss or damage arising from any advice or treatment given by you, or under your direction
○ loss or damage arising from goods or products supplied by you, including containers, labels and instructions
○ damage caused by vibration, or by the removal or weakening of or interference with the support to any land,
building or other structure
○ loss or damage arising from any activities directly related to any educational activity for and on behalf of an
educational concern such as a crèche or playgroup
○ any event that you failed to notify us of in terms of the conditions of this section.
What is not covered
You must read these exclusions together with the General exclusions in the Understanding your policy section to make
sure you understand exactly what is not covered. These are not all the instances where we do not provide cover.
Some benefits in the Personal liability section may have exclusions that apply only to them.
Fines, penalties, punitive damages and debt
There is no cover for any fines, penalties or punitive damages imposed by law, or liability arising from any debt.
Liability relating to aircraft, firearms, vehicles and pleasure-craft
○ Aircraft: There is no liability relating to the ownership, possession or use of any aircraft or unmanned aerial
vehicles (UAV) or systems (UAS) such as drones. We do cover radio-controlled model aircraft, but only if it was
used in terms of the rules and regulations set out by the South African Model Aircraft Association.
○ Firearms: We do not cover the ownership, possession, use or handling of firearms or air guns.
○ Vehicles: There is no cover for liability relating to the ownership, possession or use of any self-propelled vehicle,
scooter, three-wheeler, quad bike, caravan, trailer or golf cart, except for:
– Hobbyists’ models and toys, ride-on and motorised lawn mowers.
– Motorised equipment and wheelchairs covered under All Risks.
– Vehicle liability which is provided under the Motor cover section.
○ Pleasure-craft: There is no liability relating to the ownership, possession or use of any pleasure-craft except for
pleasure-craft liability under the Pleasure-craft section.
Liability relating to any employment, business or profession
There is no liability cover arising from any employment, business or profession except for liability covered under the
Liability towards paying guests and Domestic employee’s liability benefits. This does not apply if you have selected
cover for: