Page 317 - Agriculture Policy Wording Binder

Personal Liability
DEFINITIONS
For the purposes of determining the indemnity granted by this Section the following terms shall mean:
Insured
1. the first named party stated in the Schedule, hereinafter referred to as the Named Insured;
2. the Named Insured is extended to include:
2.1 any spouse, partner or member of the same household of the Named Insured, while acting on behalf of or in the course of the Named Insured;
3. in the event of the death of the Named Insured, the personal representatives of the Named Insured in respect of liability incurred by the Named Insured.
Bodily injury
Personal injury
Property
tangible property, except in Sub-Section 1 of this Section of the Policy where it includes rights of light, air, and water but, for the avoidance of doubt, will not include information (including electronically stored information), intellectual property, or intangible property rights of any kind, or any value therein.
Event
any one occurrence, or all occurrences of a series consequent upon, or attributable to, one originating cause including but not limited to one or more occurrences of bodily injury or personal injury or loss of or damage to property, will be treated
as one single occurrence, irrespective of the number of injured parties, actual claimants, potential or eligible claimants, and whether or not brought by class action or individually by the claimants concerned.
Limit of indemnity
the total liability of the Company for all amounts payable in accordance with the Defined Events, and will not exceed the amount stated in the Schedule.
If an event gives rise to a claim or a series of claims which form the subject of an indemnity under more than one operative section of this Section of the Policy, the total amount of the Company’s liability will at all times be limited to the greatest limit of indemnity available under any one of the operative sections in this Section of the Policy affording indemnity for the claim or series of claims.
The limit of indemnity will be determined with reference to the Schedule, or such other limit as may apply by virtue of an endorsement to, or specific sub-limit set out in this Section of the Policy.
First amount payable
the amount stated in the Schedule, which will be payable by the Insured for each event in respect of all damages, claimant’s costs and expenses and Defence Costs (including investigation costs other than the company’s own salary and other internal costs), before the Company will be liable to make any payment under this Section of the Policy.
death, injury, illness, or disease; and injury may also include nervous shock, mental anguish or mental illness.
bodily Injury, invasion of the right to privacy, discrimination, libel and slander, defamation of character, wrongful arrest, detention, imprisonment, eviction or wrongful accusation of shoplifting.
SPECIFIC EXCEPTIONS
The Company will not indemnify the Insured under this Section in respect of: 1. injury or damage sustained by:
1.1 any member of the same household or family as the Insured;
1.2 any person employed by the Insured under a contract of service or apprenticeship and arising directly from and in the course of such employment by the Insured;
1.3 any other person resulting from the ownership of or use by or on behalf of the Insured of mechanically propelled vehicles (except pedal cycles and lawnmowers);
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 315