Page 90 - Hollard Business Branch Policy Wording

Combined Liability (Claims-made Basis)
SPECIFIC EXCEPTIONS (applicable to Sub-Sec on 1)
The Company will not indemnify the Insured under this Sub-Sec on against liability:
1. for loss of, or damage to property belonging to, or in the Insured’s care, custody, or control;
2. damage to property being worked upon and arising out of such work;
3. arising from the ownership, possession, or use by or on the Insured’s behalf or an employee of the Insured of:
3.1 any mechanically propelled vehicle or a ached trailer, while in use in circumstances where compulsory insurance or security is required by any road tra c legisla on, but this Excep on will not apply to liability caused by:
3.1.1 the loading or unloading of any such vehicle or trailer, arising beyond the limits of any carriageway or thoroughfare;
3.1.2 any self-propelled mechanical plant, or any machinery or apparatus a ached to any other vehicle, while used as a tool of trade, other than in circumstances where such liability is governed by any road tra c legisla on requiring compulsory insurance or security;
3.2 any aircra or other aerial device, hovercra , watercra , or o shore installa on but this Excep on will not apply to liability caused by:
3.2.1 hand propelled watercra or sailing cra not exceeding 8 m (eight meters) in length; or
3.2.2 watercra not exceeding 25 m (twenty ve meters) in length, not owned by the Insured but used by the Insured for business entertainment purposes, with the excep on of racing or trials;
PROVIDED THAT:
the Insured is not en tled to an indemnity under any other Policy;
4. arising from any product, other than food or drink provided for consump on on the Insured’s premises;
5. consequent upon injury or damage a er the comple on and handing over of any work and caused by or through or in connec on with any defect or error or omission from such work.
EXTENSIONS (applicable to Sub-Sec on 1)
Subject to all the Terms, Excep ons, Condi ons and Endorsements rela ng to this Sec on of the Policy, the Insured will be indemni ed as below. The total of all payments made under these Extensions will be part of and not in addi on to the Limit of Liability. The Extensions are also subject to the deduc ble as stated in the Schedule.
1. Damage to leased or rented premises
Notwithstanding Excep on 1 to this Sub-Sec on, the indemnity provided under this Sub-Sec on will extend to include liability for accidental loss of, or damage to premises (including xtures or ngs) leased or hired by, or rented to the Insured under a wri en contract or agreement, but this Extension will not apply to liability:
1.1 assumed by the Insured under such contract or agreement, which would not have a ached in the absence of such contract or agreement, unless agreed to in wri ng by the Company;
1.2 for re or any other peril against which such contract or agreement requires that insurance is e ected;
1.3 arising out of breach of any term, condi on, or warranty under any other applicable insurance policy.
2. Cross liability
If the Insured comprises more than one party, the Company will provide indemnity to each in the same manner and to the same extent as if a separate Policy had been issued to each;
PROVIDED THAT:
the total liability of the Company for all liability sustained by any or all of the Insureds will not exceed the Limit of Indemnity stated in the Schedule applicable to this Sub-Sec on of the Policy.
Hollard Business Policy – Branch – Version 1 2018 Page | 89