MUA Executive Policy - Van Flymen & Associates

Section 4 : Personal LiabilitySPECIFIC DEFINITIONS FOR THIS SECTION1. Insured event: Death, bodily injury or illness of anyperson, or loss of or damage to the tangible propertyof any person which occurs during the period ofinsurance and for which you become legally liable topay for loss, damages, and costs and expensesWHAT THE INSURER OFFERS1.Your cover3.JurisdictionThe insurer will cover you in respect of claims up tothe amount as stated in your schedule for any loss orlosses arising out of any one insured event, includingcosts and expenses you incur in the defence of anyaction brought against you for an insured event forwhich you become legally liable, provided that theinsurer agrees in writing before you incur such costsor expenses.Territorial limitsThis section of the policy applies to an insured eventthat occurs anywhere in the world.This section of the policy falls under the jurisdictionof the courts of the Republic of South Africa. It doesnot include any legal liability for loss or damage,including costs and expenses of legal processes, ifthese arise from the claimant instituting legal actionagainst you in a court outside of the Republic ofSouth Africa.2.AUTOMATIC EXTENSIONS OF COVER1.Tenants3.Liability to domestic employees2.If you become legally liable as the tenant and not asthe owner for damage to the building of a privateresidence and its domestic outbuildings (includingfixtures and fittings) occupied by you as the tenantor by members of your household, the insurerwill cover you up to the amount as stated in yourschedule for any one accident or series of accidentsarising out of one insured event.Wrongful arrestIf you become legally liable to pay for damagesresulting from the wrongful arrest or alleged wrongfularrest which arises out of your activities as a memberof a neighbourhood watch or a block watch groupor a similar voluntary non-profit organisation, theinsurer will cover you up to the amount as statedin your schedule for any one valid claim or seriesof valid claims arising out of one insured event,including legal costs and expenses.The insurer will cover you for legal liable up tothe amount as stated in your schedule where youbecome liable due to the death of or bodily injuryto your domestic employee which arises from andin the course of his/her service during the period ofinsurance. This includes the legal costs and expenseswhich the domestic employee can recover in respectof a valid claim under this extension and whichyou may incur with the insurer’s written consent.Exclusion 2 below does not apply to domesticemployees.This clause will not apply if the loss is covered by anycompulsory statutory insurance.32 MUA Executive Policy