Page 85 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 5 – Personal liability
○ Credit cards, forgery and counterfeiting means we will pay up to the limit stated in the schedule for any amount
you are legally obliged to pay resulting from:
– theft or loss of a bank card, credit card, debit card or charge card issued in your name provided that you
have adhered to the terms and conditions under which the bank, credit, debit or charge card was issued, or
– loss caused by forgery or alteration of any cheque or negotiable instrument, or
– loss caused by accepting any counterfeit paper currency in good faith.
We will defend a claim or action against you due to forgery, counterfeiting or for theft or loss of a bank card, credit,
debit or charge card.
○ Bed-and-breakfast
We will cover you for legal liability to guests in respect of accidents during the period of insurance resulting in an
injury or death up to the limit stated in the schedule.
○ Business activity
We will cover you for legal liability to clients in respect of accidents during the period of insurance resulting in an
injury or death up to the limit stated in the schedule.
○ Directors’ or Officers' Liability means legal liability arising out of any unpaid employment as a director or officer of
a registered charity or other non-profit making organisation. The most we will pay in respect of any one occurrence
or series of occurrences arising out of any one cause is the limit stated in the schedule.
○ Liability as result of employment of a domestic employee means legal liability through the employment of
domestic employees in respect of accidents during the period of insurance resulting in bodily injury or death to
any person. The most we will pay is the limit stated in the schedule.
○ Golfer’s extension means we will provide you with cover for the following expenses while playing golf or
participating in any activity at a golf club anywhere in the world. We cover all property damage to another person’s
property caused by you playing golf, irrespective of legal liability up to the limit stated in the schedule.
○ Security company means 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.
The most we will pay is the limit stated in the schedule.
○ Tenants’ Liability means legal liability for amounts which you become legally liable to pay as tenant or occupant
of a dwelling-place, to the owner – due to an accident. The most we will pay is the limit stated in the schedule.
○ Wrongful arrest means legal liability to pay for damages resulting from the wrongful arrest, attempted wrongful
arrest or searching of any person including assault in connection therewith. The most we will pay is the limit stated
in the schedule.