We will cover You for Your legal liability for accidental loss of or damage to any property and for accidental death or bodily injury resulting from an occurrence or series of occurrences (including cover for legal costs incurred with Our consent or ordered against You).
The extent of that cover is as follows:
- where You are covered under Section One and You are the owner and occupier of Your Home, Your liability as owner and/or occupier is covered;
- where You are covered under Section One and You are the owner but not the occupier of Your Home, Your liability as owner is covered;
- where You are covered under Section One and Your Home is a unit in a subdivision which resulted in the creation of a body corporate, Your liability as a member of the body corporate is covered;
- where You are covered under Section Two and You are the occupier of Your Home (whether as an owner or as a tenant):
- Your liability as occupier of Your Home is covered;
- Your liability as owner of Your Contents is covered;
- Your liability to Your landlord in respect of any property items left by the landlord in
- Your Home for use by You and Your Family is covered;
- Your personal legal liability arising anywhere in the world is covered.
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- Any amount in excess of $20,000,000 for any legal liability covered under this Policy or any other policy issued by Us resulting from an occurrence or series of occurrences.
- Claims arising from, and of or in connection with:
- Your ownership of any buildings or land other than Your Home or the land at Your Address;
- the transmission of any disease by You;
- any trade, business, or occupation or employment carried on by You or Your Family for reward other than casual babysitting and except as a landlord;
- Your liability or Your acceptance of liability arising out of any contract;
- vibration or interference with the support of land, buildings or other property;
- registered vehicles (other than garden appliances, bicycles, motorised wheel chairs, mobility scooters and golf carts);
- aircraft or the provision of any facilities for the landing or storing of such craft;
- watercraft (other than surfboards, surf skis and sailboards) or the provision for commercial purposes of any facilities for the landing or storing of such craft;
- any building construction, alteration, addition, repair or decoration the cost of which exceeds $50,000 per project.
- Claims for bodily injury to, the death of or the illness of You or any person who normally lives with You in Your Home or any employee of Yours or of any such person.
- Claims for bodily injury to, the death or illness of Your employees other than to or of an employee whilst doing domestic work for You and for whom You or Your Family's legal liability cannot be covered by workers compensation insurance because the employee is not an individual who works under a contract of service.
- Your liability as owner of Your Home if You are not covered under Section One.
- Claims for death, bodily injury or illness attributable to or contributed to by the consumption of alcohol or drugs of any kind (including tobacco) provided or permitted by You.
- Claims for loss or damage to property belonging to or under the control of You or any person who normally lives at Your Home or any employee of Yours or of any such person.
- Claims for punitive or exemplary damages.
- Claims arising out of or in connection with contamination or pollution.
- Claims resulting directly or indirectly from the existence of asbestos, asbestos fibres or derivatives of asbestos.
- Claims brought against You in any country on the Continent of North America or any State or territory incorporated in or administered from such country.
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