Page 73 - Hollard Namibia – Motor & Household Policy Wording

Security-related Liability
In addition to the standard cover outlined in the preceding pages, you are also covered for the following:
Wrongful arrest
If your activities as a member of a Neighbourhood Watch (or similar voluntary non-profit organisation) result in the wrongful arrest or attempted wrongful arrest of an alleged suspect, we cover you for any sums of money that you may subsequently be liable to pay.
This is on condition that the alleged suspect is not a member of your family or household, or any person employed by you.
Activities of your security company
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.
Electric fence
The ownership of an electric fence which may lead to bodily injury or death.
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 Namibian 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.
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.
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 unless sudden and unforeseen.
Your employment, business or profession
We do not cover you for any liability arising from your employment, business or profession.
Personal Liability
Example
You cannot accept liability for the actions of a builder who is renovating your home, for that is clearly his responsibility.
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