Personal Liability
Personal Liability is that situation where liability is imposed upon me by law due to negligence that caused injuries or death to someone else, or damage to their property.
Benefits under this Policy
iWYZE will indemnify me up to a fixed limit for any one accident or series of accidents arising from one event. This indemnification will include costs and expenses other persons can claim from me, as long as these are incurred with the approval of iWYZE.
The amount that I will be indemnified for (including damages and all costs and expenses, including litigation costs) will not be more than the fixed amount that will be shown in the relevant Policy Schedule.
General Information
When I take an iWYZE Household Goods policy, this Personal Liability policy will automatically be assigned to me. This is the only way in which this Personal Liability policy can be taken – it is not possible to take this as a stand-alone policy.
What is Covered
- Security Companies and Garden Services - Liability arising from any property damage, loss, bodily injury or accidental death caused to someone else by a security company or garden service with whom I have an agreement to service my property; in the carrying out of that service at my property.
- Wrongful Arrest - If, while acting as a member of a neighbourhood watch or similar voluntary non-profit organisation, I incur a legal liability due to the wrongful or alleged wrongful arrest of any person. This excludes members of my family and household, and persons under a contract of service or apprenticeship with me.
What is Not Covered
- Employees - Indemnification due by me to any person acting in the scope of their employment with me, except for domestic staff.
- Due to Me - If I am a Trust and the benefits arising from the liability claim against me would go to one of my trustees or trust beneficiaries or members of their households.
- Loss of Another’s Property- Indemnification owed to any other person for loss of or damage to property that does not belong to me, but is in my custody or control.
- Loss of Another’s Property by Employees - Indemnification owed to any other person for loss of or damage to property in the custody or control of any person acting in the scope and course of their employment with me, or while furthering my interests at the time of the accident.
- Professional - Liability arising from my employment, business or profession.
- Related to Land or Buildings - Liability arising from the ownership or occupation of land or buildings, except for the Private Residence I have covered under my iWYZE Buildings policy and the land upon which it is situated, as long as it is used for residential purposes.
- Vehicle-related - Indemnification that I owe to another person for loss of or damage to any motor vehicle, caravan, trailer, motorcycle, quad bike and air- or watercraft that I own and that is controlled by me or my domestic staff.
- Liability Accepted by Agreement - Liability that I have accepted by entering into an agreement with another party, and where this liability would not normally be my responsibility if that agreement did not exist.
Please note: This product summary is not intended to be a legal contract. It does not replace or in any way alter the content of the actual policy documents that are issued to clients of iWYZE.
iWYZE is underwritten by Mutual & Federal Insurance Company Limited, a member of the Old Mutual Group. Mutual & Federal and Old Mutual are Licensed Financial Services Providers.