Page 67 - Hollard Private Portfolio - Version 3.3

Personal liability
○ Fines, penalties and punitive damages.
○ Legal costs and legal expenses for non-litigious matters, including applications such as, but not limited to
inquests, criminal matters, servitudes, declaration of right, appeals and administration of estate.
○ Between people insured under this policy at the time of the event that resulted in the claim.
○ Nuclear events and substances: These are risks associated with the nuclear industry in general. We do not cover any event related to radioactive or nuclear material in any way.
○ Confiscation or similar acts: We do not cover you for any loss, damage or costs because the police, or any other authority, legally took possession of your insured property for any period.
○ War, terrorism, riots and protest actions: This includes any loss or damage related to or caused by war, terrorism, riots, protest actions, public disorder or any attempted act of this kind.
○ We cannot provide any cover where to do so would violate trade or economic sanctions. Additional cover you can choose
Business liability
This particular element of Personal Liability cover is optional, 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 actions of your employees while undertaking deliveries or collections 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 direction
○ loss or damage arising from goods or products supplied by you, including containers, labels and instructions
○ damage caused by vibration, 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 activities directly related to any educational activity for and on behalf of an educational concern such as a crèche or playgroup
○ any event that you failed to notify us of in terms of the conditions of this section. What is not covered
Judgments under US or Canadian law
You are not covered for liability arising from any judgment, award, payment or settlement 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 settlement – 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 first place. For example, you cannot accept liability for the actions of a builder who is renovating your home, for that is clearly his responsibility.
Punitive fines, penalties or exemplary damages
We do not cover liability arising out of any punitive fines, penalties or exemplary damages that may be awarded against you.
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