Page 38 - Hollard - Private Portfolio Policy Wording

Buildings
Liability to third par es
You are covered as a property owner for liability to third par es, such as members of the public. The details are described under the Personal Liability sec on.
Medical bene t
We will pay the medical bene t if a defect in your buildings causes bodily injury to a guest, visitor or your own employees, and the injury requires medical treatment. However, if they can claim under their own policy or medical aid we will not make any payment.
New premises that are not yet registered
If you have signed a contract to purchase new premises and they have not yet been registered in your name, we will accept the situa on as establishing your insurable interest. We will cover you for the premises, provided you give us all the informa on and accept our terms and condi ons.
Power surge
We will pay for damage to your buildings that is caused by an electricity power surge on the distribu on line of any public authority.
Check your Schedule now to see if this limited cover is likely to be su cient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us for addi onal cover so that we can increase the limit.
Professional cleaning services
We will pay for a professional organisa on to clean your buildings, if they have been soiled or stained during an assault on you by a third party other than your family.
Public supply or mains connec on
We will pay for loss or damage to water, sewerage, gas, electricity or telephone connec ons belonging to you, or for which you are responsible, between your premises and the public supply.
Removal of fallen trees
We will pay for the cost of removing fallen trees from your property a er an insured event. This is provided that the costs are necessary and reasonable, and that you rst obtain our wri en consent. The limit applies to any 12-month period.
Rent
If your buildings become uninhabitable because of damage to it caused by an insured event, we will cover the rental cost of living in alterna ve similar accommoda on for you, your domes c sta and pets. This cover will apply un l the building becomes habitable once more.
Similarly, if any building on your premises that earns you rental income – for example, a co age – becomes uninhabitable, you will be covered for the loss of that rental income. This cover will apply un l the buildings in ques on become habitable once more.
The cover in this sec on does not apply when the buildings are being structurally altered.
36 Hollard Private Por olio