Page 68 - Hollard Private Portfolio - Version 3.3

Seepage, pollution and contamination
You are not covered for the cost of cleaning up, removing, nullifying or reinstating any property that has been lost or damaged by seepage, pollution or contamination.
Your employment, business or profession
We do not cover you for any liability arising from your employment, business or profession, unless you are covered under Business Liability.
Land and buildings
You are not covered for liability arising out of the ownership of any land or buildings, unless they are insured under the Buildings section of this policy, and the land is used for residential purposes.
Letting of property
We do not cover liability arising solely from the specific activity of letting or renting property (whether movable or immovable) for monetary reward.
Use and ownership of vehicles
You are not covered for liability arising from:
○ your ownership or use of aircraft other than model aircraft
○ your ownership or use of pleasure-craft greater than 10.5 m
○ loss or damage to any motorised vehicle or aircraft in your care, custody or control
○ the use of any motorised vehicle if legislation requires you to insure the vehicles or provide security, or the governmental body has accepted responsibility for compensation
○ the use of unmanned aerial vehicles (UAVs) such as drones, other than radio-controlled model aircraft (RCAs)
○ the use of any motorised vehicles unless they are insured under the Motor and Pleasure-craft sections of this
policy and you have successfully claimed under those sections for own damage.
Death or bodily injury to employees or family
We do not cover liability for death of, or bodily injury to, you or any member of your family, or any employee arising out of their employment by you.
Loss or damage to property
We do not cover you for loss or damage to property that:
○ belongs to you, your family or your employee
○ is in your custody and control
○ is in the custody and control of your directors, members, trustees or beneficiaries, or members of their families who usually reside with them, if you are a company, close corporation or trust
○ is covered under some other insurance policy. No cover during structural alterations
We do not cover you for loss or damage to your home or outbuildings when these are being structurally altered, and the loss or damage is caused by these alterations.
Personal liability
Example
If you rent your own home out to a third party you are covered under Property Owner’s liability for certain insured events causing loss or damage. If, however, you let out property to third parties as a commercial venture such as an estate agent, the liability arising out of the letting activities is not covered under this policy.
66 Hollard Private Portfolio – Version 3.3 – 9 Feb 2023