Page 194 - Liability Insurance IC74

The Insurance Times

(xiii) This exclusion reiterates as in indemnity clause,
that the coverage applies only in respect of accidents
which occur during the period of insurance which
commences on the retroactive dated stated in the
Schedule.

(xiv) Liability for a claim arising out of deliberate,
conscious or intentional disregard of the insured's
technical or administrative management of the need
to take all reasonable steps to prevent claims.

(xv) Liability which is insurable under separate
Workmen's Compensation Insurance policy.

(b) Distinguish between negligence and nuisance -
Negligence has been defined as the breach of duty
caused by the omission to do something with a reasonable
man, guided upon those considerations which ordinarily
regulate the conduct of human affairs, put to, something
which are prudent and reasonable man would not do. In
simple words negligence means 'absence of care'. A
civil action for negligence can be sustained when the
following conditions are satisfied: (i) existence of duty
of care towards the injured party(ii) breach of the duty
(iii) injury or damage as a consequence of the breach of
duty (iv) causal connection between the breach of duty
and the injury or damage.

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