Page 39 - MSTI Namibia.Personal Lines.Home Car.1June 2018 Version 3_Final

7. Liability

Liability to other people
You are covered for the following, up to the amount noted on your schedule:

Personal liability
Where you and members of your household who live with you are legally liable for the
following:
• Accidental death or bodily injury to people other than members of your household or
your domestic employees.
• Accidental loss of or damage to property belonging to people other than members of
your household or your domestic employees.
This includes legal costs that someone else can recover from you and that we agree to in
order to settle or defend a claim against you.

Liability to domestic employees
• You are covered for all amounts where you are legally liable for the death of or bodily
injury to any of your domestic employees caused by an accident while he or she was
working for you.

If you enter into a contract with a security firm, the security personnel will be regarded
as your domestic employees.
• This includes legal costs that someone else can recover from you and that we agree to
in order to settle or defend a claim against you.

Liability as a tenant
• You are covered for all amounts that you are legally liable to pay to your landlord arising
from accidental loss of or damage to the rented building where you are permanently
living.

What is not covered under liability to other people?
Liability arising from the following:
• Any trade, business or profession
• The ownership of any land or building
• The ownership, possession or use of lifts
• The ownership or possession of animals other than cats and dogs

• The ownership, possession or use of aircraft, drone, UAS, vehicles and watercraft
• The use of weapons and firearms
• Damages and legal costs against you by a court outside Namibia
• Any incident that causes damage to other people’s property or injury to them and
where the claim for loss of or damage to the contents itself is not covered
E.g. You cannot claim for damage to your contents which you caused intentionally, which means that
if this incident causes injury to a visitor, your liability to this person will not be covered.

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