Personal Liability

We will provide cover if, as a result of your negligent act occurring during the period of insurance, You become unintentionally legally liable to pay compensation in respect to damage caused to someone else’s property or the injury or death of someone else.

The maximum benefit limit for this section is:

Plan I: $2,500,000

We Will Not Pay For:

1. Liability you become liable to pay to somebody related to you or to someone in your employ or deemed to be in your employ.
2. Liability arising from loss or damage to property which is in your legal custody or control.
3. Liability arising from the conduct by you of any profession, trade or business or the use or ownership by you of any firearm, aircraft, water borne craft or mechanically propelled vehicle.
4. Liability arising out of occupation or ownership of any land, buildings or immobile property.
5. Liability arising out of any wilful or malicious act.
6. Liability arising out of the transmission of an illness, sickness or disease.
7. Liability involving punitive, exemplary or aggravated damages or any fine or penalty.
8. Liability arising out of your liability under a contract or agreement unless you would be liable if that contract or agreement did not exist.