Page 85 - Hollard - Private Portfolio Policy Wording

Personal liability
Towards your domes c worker
If you own the private home, 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.
Ren ng out your home
If you own the private home 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 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.
Your tenants are regarded as third par es for the purpose of this cover.
SECURITY-RELATED LIABILITY
In addi on to the standard cover outlined in the preceding pages, you are also covered for the following:
Wrongful arrest
If your ac vi es as a member of a Neighbourhood Watch (or similar voluntary non-pro t organisa on) result in the wrongful arrest or a empted 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 condi on that the alleged suspect is not a member of your family or household, or any person employed by you.
Ac vi es of your security company
We cover you 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
The ownership of an electric fence which may lead to bodily injury or death.
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