Liability to the public Clause Samples
The 'Liability to the public' clause defines the responsibilities and obligations of a party regarding harm or damages caused to third parties as a result of their actions or omissions. Typically, this clause outlines the extent to which a party must compensate or indemnify members of the public for injuries, property damage, or losses arising from the performance of a contract or business operations. Its core function is to allocate risk and ensure that affected third parties have a clear avenue for recourse, thereby protecting both the public and the contracting parties from unforeseen liabilities.
Liability to the public. Liability arising directly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as temporary holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or dam age to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under,• ownership of any land or building,• any business, profession or trade,• racing, hunting or playing polo,• any wilful, malicious, deliberate or reckless act. • the transmission of Human Immune deficiency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused,the transmission of any communicable disease, by you or a member of your household. The most we will pay for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from the ownership or use of:• aircraft (except toys and models), mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised gold buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control. • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where compulsory insurance must be arranged under the Road Traffic Act 1961 or any subsequent am ending legislation to this Act,• watercraft (except toys and models), sailboards or hovercraft,• firearms (except shotguns or airguns used for sporting activities),• animals (except horses and pets which are normally domesticated in the Republic of Ireland) Liability arising directly or indirectly from the ownership, possession, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possession, use or control is not in accordance with the provisions of such regulations, • horses are not covered if such ownership, possession, use or co...
Liability to the public. Covered Not Covered
Liability to the public. What is Covered What is Not Covered
Liability to the public. Any amounts which you as owner of the contents of the apartment become legally liable to pay as compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or damage to property. The most we will pay for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from: • ownership of any land, apartment or building, • an agreement which imposes a liability which you would not otherwise have been under, • any business, profession or trade, • any willful, malicious, deliberate or reckless act, • the occupation of the apartment other than by a tenant, Liability for: • bodily injury to a person under a contract of service or apprenticeship with you • loss of or damage to property owned or held in trust by you or in your custody or control
Liability to the public. TEMPORARY REPAIRS TO PREMISES Not Covered Covered INSURING CLAUSE Building in the event of:
Liability to the public. The Company will indemnify the Insured against all sums for which the Insured may be held legally liable: As a private ▇▇▇▇▇▇▇▇▇▇▇ occupying the Private Dwelling House in respect of accidents in or about the Private Dwelling House. Occurring during the Period of Insurance and resulting in:
1. Bodily injury to any person not being a member of the Insured's family or household nor at the time of sustaining such ▇▇▇▇▇▇ engaged in the Insured's service.
2. Damage to property not belonging to or in the charge of or under the control of the Insured or of a member of his family or household or of a person in his service. Provided always that the amount payable hereunder in respect of any one accident or series of accidents constituting one occurrence shall not in any case exceed the sum specified in the Schedule. The Company will, in addition, indemnify the Insured in respect of:
a) Legal costs and expenses recoverable from the Insured by any claimant provided such costs and expenses were incurred before the date (if any) on which the Company shall have paid or offered to pay either the full amount of the claim or the total amount recoverable in respect of any one occurrence as herein before provided;
b) Legal costs and expenses incurred by the Insured with the consent of the Company. Provided also that the Company shall not in any case be liable hereunder in respect of:
A. Injury or damage arising out of or incidental to:
a) the Insured's profession or business, or
b) the ownership, possession or use by or on behalf of the Insured of any lift, vehicle, vessel or craft of any kind.
c) the carrying out of alterations, additions, repairs or decorations to the insured premises.
B. Liability arising out of any contract of indemnity which imposes upon the Insured liability which the Insured would not otherwise have been under. In the event of the death of the Insured the Company will in respect of the liability incurred by the Insured indemnify the Insured's personal representatives in the terms of and subject to the limitations of this Section provided that such personal representatives shall as though they were the Insured observe, fulfill and be subject to the Terms or this Policy so far as they can apply. This Section shall not apply to any part of the Private Dwelling House used in connection with the profession of the Insured whilst that part of the Private Dwelling House is being so used. For the purposes of this section the expression "the lnsured” shall be de...
Liability to the public. We will cover you against legal liability arising out of claims made on You in respect of accidents caused by You whilst playing or practicing golf on any recognized Golf Course resulting in: -
a) Accidental bodily injury to any person not being a member of Your family or household or working for You.
b) Accidental damage to property not belonging to or in the charge of or under the control of Your a member of Your family or household or of any person in his service. And all costs and expenses of litigation recovered by any claimant against You or incurred with Our written consent in respect of a claim against
Liability to the public. Liability arising direc tly or indirectly from: Any am ounts which you or a member of your household: becomes legally liable to pay as c om pens ation for an accident occurring in or about the premises during the period of insurance which causes bodily injury to any person or loss of or damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under, • ownership of any land or building, • any business, profession or trade, • racing, hunting or playing polo, • any willful, malicious, deliberate or reckless act committed by anybody staying in the home, The most we will pay for any one claim or number of claims arising from one cause is €3,000,00 0 (This includes all costs agreed by us in writing). • the transmiss ion of Human Immune defic iency Virus (HIV) and/or HIV related illness including Acquired Immune Defic iency S yndrome (A IDS) and/or any mutant deri vative or variations thereof however caused, • the transmiss ion of any communicable disease, by you or a member of your household. Liability arising direc tly or indirectly from the ownership or use of: The most we will pay under this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). • aircraft (except toys and models), • m ▇▇ ▇▇▇▇▇ ally propelled vehicles including e-bikes and e-scooters (except dom estic garden implements used within the boundary of the premise s, motorized golf buggies on a golf course, motorized wheelchairs or use of a vehicle solely as a passenger having no right of control) • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where c ▇▇ ▇▇▇▇ ▇▇▇ insurance must be arranged under the Road Traffic Act 1961 or anysubsequent amending legislation to this Act, • watercraft (except toys and models), sailboards or hovercraft, • firearms (except shotguns or airguns used for sporting activities), • animals (except horses and pets which are nor mally dom es tic ated in the Republic of Ireland) Liability arising direc tly or indirectly from the ownership, ▇▇▇▇ ▇▇▇▇ on, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possess ion, use or control is not in acc ordance with the provisions of such regulations, • horses is not covered if such ow...
Liability to the public. WHAT IS COVERED
a) Liability as owner of the insured Building caused by a defect in the buildings.
b) Liability as an Occupier in respect of accidents which occur in or about the private dwelling house. Our limit of liability shall not exceed the sum specified on the Schedule. We will also indemnify You or Spouse:
i) Legal costs and expenses recoverable from You or Spouse by any claimant, provided such legal cost and expenses were incurred before the date We shall have paid or offered to pay the full amount of the claim or the total amount recoverable in respect of any one occurrence.
ii) Legal costs and expenses incurred by You or Spouse with Our consent. If Buildings are for Blocks of Flats or Apartments, Our indemnity to You is restricted to Your legal liability for claims made on You as owner of the Buildings, as specified on the Schedule, but not as a resident occupying any part of the insured Buildings in respect of any accident occurring during the period of insurance. We will indemnify Your personal representative in the event of Your death, in respect of the liability incurred by You or Spouse, provided the personal representative observes and fulfils and is subject to the terms, conditions and limitations of the Policy.
a) Any claims brought against You or Spouse, in any country in courts outside Malaysia.
b) All legal costs and expenses which are not incurred in or recoverable in Malaysia.
c) We shall not be liable for injury or damage arising out of or incidental to: Ownership, possession or use by or on behalf of You or Spouse of any lift, vehicle, vessel or craft of any kind; The carrying out of alterations, additions, repairs or decorations to Your buildings; Damage to property by subsidence fire or explosion (other than explosion of any domestic boiler fitted in an individual flat or apartment in the insured Buildings), for insurance for Private Flats or Apartments; Any contractual agreement; Asbestos or exposure or potential exposure to asbestos, any actual or alleged asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination or avoidance of asbestos; Any part of the insured Buildings used in connection with Your profession or business. You will not be covered under the following circumstances: General Exception 1 We will not cover loss or damage or other contingency caused directly or indirectly by: a) War, invasion, act of foreign enemy, hostilities, or warlike operations (whethe...
Liability to the public. 1. The Company will pay all sums necessary to discharge liability of the Insured, arising from all expenses and damages directly resulting from any bodily injury and/or death to any Third Party (excluding all moral, exemplary and other incidental damages, expenses and loss of income) in an accident caused by the use of the Scheduled Vehicle, provided that the Insured’s liability shall have first been determined, but not exceeding in the aggregate Php 100,000.00 per occurrence or any one occurrence, regardless of the number of individual claims.
2. In terms of and subject to the limitations of this Policy, the Company will indemnify:
(a) Any Authorized Driver who is driving the Scheduled Vehicle, provided that he:
(i) Observes, fulfills, and be subject to the Terms and Conditions of this Policy, insofar as they can apply;
(ii) Is not entitled to indemnity under any other policy, subject however, to Condition No. 8 of the Conditions Applicable to All Sections.
(b) The Insured whilst personally driving a private motor car not belonging to him and not hired to him under a hire purchase agreement.
3. In the event of the death of any person entitled to indemnity under this Policy, the Company will, in respect of the liability incurred to such person, indemnify his personal representatives in terms of, and subject to the terms and conditions hereof.
4. In the event of accident involving indemnity under this Policy to more than one (1) person, the Limits of Liability shall not exceed the aggregate amount so specified by Law to all persons to be indemnified. Should indemnification both to liability of the Insured and that of another party (as provided under Authorized Driver) be provable, the Insured shall have prior right thereto.
5. Unless the Insured objects, the Company shall:
(a) Arrange for representation at any inquest, or investigation in respect of any death which may be the subject of indemnity under this Section;
(b) Undertake the defense in the Insurance Commission under Section 385 of the Insurance Code, or in any court of law, for alleged offenses causing, or relating to, any event which may be the subject of indemnity under this Section. The following Schedule of Indemnities shall be observed in the settlement of claims for death, bodily injuries, professional fees and hospital charges for services rendered to traffic accident victims under the Compulsory Motor Vehicle Liability Insurance Coverage.
A. DEATH INDEMNITY Php 70,000.00 Burial and funeral ...