Page 82 - Hollard Private Portfolio - Version 3.4

Personal liability
○ Liability relating to your actions
– We do not provide any cover if you were dishonest, malicious or if you physically assaulted another
person.
– We do not cover your liability if you recklessly ignored the consequences of what you were doing or failing to do.
– We do not cover your liability if you agreed to accept, or already accepted, legal liability without first getting our permission.
– We do not cover your liability arising from the failure to pay maintenance or alimony or any amounts following a breach of promise.
– There is no cover for the purchase, sale or exchange of any property (movable or immovable), including your failure to follow any obligations in relation to this.
– There is no cover for liability that arises purely from an agreement unless there would have been liability without the contract being signed.
○ Liability towards certain people
– We do not cover liability between family members or people insured under this policy at the time of
the event that resulted in the claim.
▪ This means that we do not cover your liability relating to the death or bodily injury of a co- insured (where applicable), or any member of your family whether they live with you or not.
▪ We also do not cover their liability relating to your death or bodily injury.
– There is no liability cover relating to loss or damage of property belonging to you, a family member (whether they live with you or not) or any person in your employ, or in the care, custody or control of you or any other person covered by this policy.
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 policy 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
You must read these exclusions together with the General exclusions in the Understanding your policy section to make sure you understand exactly what is not covered. These are not all the instances where we do not provide cover.
Some benefits in the Personal liability section may have exclusions that apply only to them.
80 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023