Common use of Personal Liability Coverage Clause in Contracts

Personal Liability Coverage. In consideration of the premium stated in the Policy Declarations, and subject to the items, provisions, and conditions thereof: Unless stated on the Policy Declarations, it is understood and agreed: a) You own no Residence Premises other than the principal residence maintained by you; b) You own no watercraft: i) Equipped with an outboard motor rated more than 25 hp. (19 kW); ii) Equipped with an inboard motor rated more than 50 hp (36 kW); iii) Of any other type over 26 feet (8m) in overall length. c) You own no draft or saddle animals; d) No business, or occupational pursuits are conducted on the premises; e) There are no permanent in-servants, out-servants, or private chauffeurs ; f) There are no elevators, escalators or inclinators on the premises; g) There is no swimming, or wading pools over 30 inches (75cm) in depth. In the event that you have, under another policy or policies issued by us, liability insurance which applies to a loss or claim, then under no circumstances will we pay in total more than the highest of the liability limits stated on the Declarations page of all such policies issued by us. “You” and “your” in this section have the same meaning as in Section I. In addition, the following persons are insured: 1. Any person or organization legally liable for damages caused by watercraft, or animal owned by you, and to which this insurance applies. This does not include anyone using or having custody of the watercraft or animal in the course of any business or without the owner’s permission 2. A residence employee while performing duties in connection with the ownership, use or operation of motorized vehicles and trailers for which coverage is provided by this policy 3. Your legal representative having temporary custody of the insured premises, if you die while insured by this policy, for legal liability arising out of the insured premises 4. Any person who is insured by this policy at the time of your death and who continues residing on the insured premises. “We” or “us” in this Section have the same meaning as in Section I.