Page 143 - Bay Union - Prestige Policy Wording
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OTHER LIABILITY
In addition to the standard cover outlined in the preceding pages, you are also covered for the following:
Activities of your garden maintenance service
We cover you for any claims that may arise against you as a result of the fact that you use a garden maintenance service.
This includes the liability you may accept in your contract with the garden maintenance service company to indemnify them for events happening in and around your premises.
Credit/debit card fraud
We will pay you for losses arising from the fraudulent use of your credit or debit cards during any 12-month period of insurance anywhere in the world.
Towards your domestic workers
We also cover you for the following instances of personal liability towards your domestic worker, provided that these arise out of their employment duties:
○ accidental bodily injury
○ the defence of any criminal action against you arising out of your alleged contravention of the Occupational
Health and Safety Act No 85 of 1993 as amended.
This cover overrides any exclusion around domestic workers that may feature elsewhere in this policy.
PERSONAL LIABILITY
Bay Union - Prestige Policy Wording - 20 June 2012 140


































































































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