Personal Liability Coverage Sample Clauses
Personal Liability Coverage is a clause that provides financial protection to an individual in the event they are held legally responsible for causing injury to another person or damage to someone else's property. This coverage typically applies to incidents that occur both on and off the insured's premises, such as a guest slipping and falling at the insured's home or accidentally damaging a neighbor's property. Its core function is to shield the insured from the potentially significant costs of legal claims and settlements, thereby reducing personal financial risk.
Personal Liability Coverage. We will pay those damages which an insured becomes legally obligated to pay because of bodily injury or property damage resulting from an occurrence. At our expense and with attorneys of our choice, we will defend an insured against any suit seeking damages covered by this Personal Liability Coverage. Our obligation to defend a suit seeking covered damages ends once we have paid the applicable limit of insurance. We may investigate and settle any claim or suit seeking damages as we deem appropriate. We will pay reasonable medical expenses for necessary medical services furnished to a covered person for treatment of bodily injury, which are provided within 3 years from the date of an occurrence. A reasonable medical expense means the usual and customary expense for the necessary medical services. Necessary medical services are limited to necessary medical, surgical, dental, x- ray, ambulance, hospital, professional nursing and funeral services. Necessary medical services do not include treatment, services, products or procedures that are experimental in nature, or not commonly and customarily recognized throughout the medical profession and within the United States as appropriate for the treatment of bodily injury. Covered person means:
Personal Liability Coverage. In consideration of the premium stated in the Declarations Page, and subject to the items, provisions, and conditions thereof: Unless stated on the Declarations Page, 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.
Personal Liability Coverage. TABLE OF CONTENTS
Personal Liability Coverage. Your liability coverage covers damages for which you are legally responsible. We will pay up to the amount shown for each occurrence for bodily injury, property damage, or personal injury.
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.
Personal Liability Coverage. We will pay those damages which an insured becomes legally obligated to pay because of bodily injury or property damage resulting from an occurrence. At our expense and with attorneys of our choice, we will defend an insured against any suit seeking damages covered by this Personal Liability Coverage. Our obligation to defend a suit seeking damages, which is a court proceeding initiated by the filing of a complaint seeking damages, ends once we have paid our applicable stated limit by means of judgment or settlement or with permission of the insured. We may investigate and settle any claim or suit seeking damages as we deem appropriate. SAMPLE POLICY We will pay reasonable medical expenses for necessary medical services furnished to a covered person for treatment of bodily injury, which are provided within 3 years from the date of an occurrence. A reasonable medical expense means the usual and customary expense for the necessary medical services. Necessary medical services are limited to necessary medical, surgical, dental, x- ray, ambulance, hospital, professional nursing and funeral services. Necessary medical services do not include treatment, services, products or procedures that are experimental in nature, or not commonly and customarily recognized throughout the medical profession and within the United States as appropriate for the treatment of bodily injury. Covered person means:
Personal Liability Coverage. Agreement