Page 91 - Hollard Business Policy - Binder

Combined Liability (Claims-made Basis)
DEFINITIONS
For the purposes of determining the indemnity granted by this Section the following terms shall mean:
1. Insured
1.1 the first named party stated in the Schedule, hereinafter referred to as the Named Insured;
1.2 at the request of the Named Insured:
1.2.1 any subsidiary company of the Named Insured declared to the Company;
1.2.2 any director, partner or employee of the Named Insured, while acting on behalf of or in the course and scope of their employment or engagement by the Named Insured;
1.2.3 any officer, member, or employee of the Named Insured’s canteen, social, sports, welfare organisation, fire, first aid or ambulance services (but excluding medical practitioners while working in a professional capacity) in their respective capacities as such;
1.2.4 any director, partner, or senior official of the Named Insured in respect of private manual work carried out by any employee of the Insured for any such person, with the consent of the Named Insured;
1.2.5 any principal, in his capacity as such, for liability arising out of work performed for or on behalf of such principal by the Named Insured, in respect of liability for which the Named Insured would have been entitled to an indemnity under this Section of the Policy if the claim had been made against the Named Insured;
1.3 in the event of the death of the Named Insured, the personal representatives of the Named Insured in respect of liability incurred by the Named Insured.
2. Business is as described in the Schedule and will also include:
2.1 the ownership, repair, maintenance or use of the Named Insured’s premises;
2.2 the provision and management of canteen, social, sports and welfare organisations for the benefit of the Named Insured’s employees;
2.3 the provision and management of security, fire, first aid and ambulance services;
2.4 private manual work, carried out with the consent of the Named Insured, for any director, partner, or senior official of the Named Insured by any employee.
3. Bodily injury
death, injury, illness, or disease; and injury may also include nervous shock, mental anguish or mental illness.
4. Personal Injury
bodily injury, invasion of the right to privacy, discrimination, libel and slander, defamation of character, wrongful arrest, detention, imprisonment, eviction or wrongful accusation of shoplifting.
5. Property
tangible property, except in Sub-Section 1 of this Section of the Policy where it includes rights of light, air, and water but, for the avoidance of doubt, will not include information (including electronically stored information), intellectual property, or intangible property rights of any kind, or any value therein.
6. Employee
6.1 any person under a contract of employment or apprenticeship with the Named Insured;
6.2 any person under a contract of employment or apprenticeship with another employer, and who is hired to, or borrowed by the Insured;
6.3 6.3.1 any labour master or labour only sub-contractor or person supplied by any of them; 6.3.2 any self-employed person;
Hollard Business Policy – Binder – Version 8 2024 Page | 89