Page 87 - Hollard - Private Portfolio Policy Wording

Personal liability
Puni ve nes, penal es or exemplary damages
We do not cover liability arising out of any puni ve nes, penal es or exemplary damages that may be awarded against you.
Seepage, pollu on and contamina on
You are not covered for the cost of cleaning up, removing, nullifying or reinsta ng any property that has been lost or damaged by seepage, pollu on or contamina on.
Your employment, business or profession
We do not cover you for any liability arising from your employment, business or profession, unless you are covered under Business Liability.
Land and buildings
You are not covered for liability arising out of the ownership of any land or buildings, unless they are insured under the Buildings sec on of this policy, and the land is used for residen al purposes.
Le ng of property
We do not cover liability arising solely from the speci c ac vity of le ng or ren ng property (whether movable or immovable) for monetary reward.
Use and ownership of vehicles
You are not covered for liability arising from:
○ your ownership or use of aircra other than model aircra
○ your ownership or use of pleasure-cra greater than 10.5 m
○ loss or damage to any motorised vehicle or aircra in your care, custody or control
○ the use of any motorised vehicle if legisla on requires you to insure the vehicles or provide security, or the governmental body has accepted responsibility for compensa on
○ the use of any motorised vehicles unless they are insured under the Motor and Pleasure-cra sec ons of this policy and you have successfully claimed under those sec ons for own damage.
Death or bodily injury to employees or family
We do not cover liability for death of, or bodily injury to, you or any member of your family, or any employee arising out of their employment by you.
Example
If you rent your own home out to a third party you are covered under Property Owner’s liability for certain insured events causing loss or damage. If, however, you let out property to third par es as a commercial venture such as an estate agent, the liability arising out of the le ng ac vi es is not covered under this policy.
Hollard Private Por olio 85