Page 92 - Bay Union - Platinum Policy Wording
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Sec on 5 – Personal liability
○ Business ac vity
We will cover you for legal liability to clients in respect of accidents during the period of insurance resul ng in an
injury or death up to the limit stated in the schedule.
○ Directors’ or O cers' Liability means legal liability arising out of any unpaid employment as a director or o cer of
a registered charity or other non-pro t making organisa on. 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 domes c employee means legal liability through the employment of domes c employees in respect of accidents during the period of insurance resul ng 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 par cipa ng in any ac vity at a golf club anywhere in the world. We cover all property damage to another person’s property caused by you playing golf, irrespec ve 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 resul ng from the wrongful arrest, a empted wrongful arrest or searching of any person including assault in connec on therewith. The most we will pay is the limit stated in the schedule.
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Bay Union – Pla num Policy Wording – 24 October 2016


































































































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