Page 84 - Hollard - Private Portfolio Policy Wording

Personal liability
GENERAL PERSONAL LIABILITY Accidental death, bodily injury or illness
We cover you for accidental death, bodily injury or illness sustained by third par es anywhere in the world.
Accidental loss or damage
We cover you 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
In the home you are ren ng
If you are ren ng the home you live in (i.e. you are a tenant), we cover you for the following instances of personal liability towards the property owner:
○ damage to the building caused by an insured event speci ed under "Household Contents"
○ damage to xed sanitary-ware (for example, the bath or washbasin) or xed glass (for example, windows or
mirrors)
○ damage to water, gas, sewerage, electricity or telephone connec ons to the building or outbuildings.
Towards your domes c worker
If you are a tenant, we also cover you for the following instances of personal liability towards your domes c worker, provided that these arise out of their employment du es:
○ loss or damage to their property
○ bodily injury or death.
This cover overrides any exclusion around domes c workers that may feature elsewhere in this policy.
PROPERTY OWNER’S LIABILITY
For the home you own
If you own the private home, we cover you for the following instances of personal liability:
○ ○
loss or damage caused by an insured event speci ed under the Buildings sec on
death, bodily injury, loss or damage that arises directly out of your ownership of the home speci ed under the Buildings sec on.
82
Hollard Private Por olio