Page 86 - Hollard - Private Portfolio Policy Wording

We also cover your for any event which is not covered under the cover described above
We also cover you for all sums which you become legally liable to pay as compensa on arising from any event, which is not covered under the cover described above, anywhere in the world unless we speci cally exclude it in this sec on.
As part of an insured event, we will also pay for any legal costs recoverable from you or incurred with our consent, but the total compensa on will never exceed the limit in the Schedule.
Addi onal cover you can choose
Business liability
This par cular element of Personal Liability cover is op onal, and is valid only if you asked for it when you took out your policy. Please check your 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 ac ons of your employees while undertaking deliveries or collec ons 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 direc on
○ loss or damage arising from goods or products supplied by you, including containers, labels and instruc ons
○ damage caused by vibra on, 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 ac vi es directly related to any educa onal ac vity for and on behalf of an educa onal concern such as a crèche or playgroup
○ any event that you failed to no fy us of in terms of the condi ons of this sec on. What is not covered
Judgments under US or Canadian law
You are not covered for liability arising from any judgment, award, payment or se lement made in a country that operates under the laws of the United States of America or Canada.
You are not covered either if there is a court order anywhere else in the world designed to enforce such a judgment, award, payment or se lement – unless the court order is enforceable in a South African court of law.
Agreements that create their own liability
You cannot, in an agreement you might sign with a third party (for example, a builder), accept liability for something that you could not reasonably be held liable for in the rst place. For example, you cannot accept liability for the ac ons of a builder who is renova ng your home, for that is clearly his responsibility.
Personal liability
84 Hollard Private Por olio