Personal Liability

Law holds everyone responsible for the consequences of negligent or careless acts and heavy damages may be awarded for personal injury or damage to property caused by negligence or carelessness.

Persons, even in their capacity as private individuals, are legally responsible in this way for injuries to persons or damage to property which could arise from cause such as:

• stepping off the footpath or crossing the road so incautiously as to compel a vehicle to swerve on the pavement or into another vehicle,
• carelessly carrying an umbrella or parcel or disposing of a lighted cigarette or match,
• not having a dog under proper control or by a dog biting someone, whilst playing games such as football, golf, hockey, bowls.

The Family Public Liability Policy issued by the Company indemnifies private persons in respect of such liabilities and law costs in the defence of claims made against the Insured.

The Policies would only apply for the benefit of persons normally and customarily resident with the Insured as specified and includes the risks of cycling and horse-riding for pleasure use.