We will cover your legal liability arising from accidents that happen within your lot or unit.
We will cover you against your legal liability for all claims arising from an accident or a series of accidents arising from any one occurrence occurring during the period of cover, causing:
Our payment will not exceed $10 million in total (including all legal and defence costs and GST).
any of the causes listed under ‘What we do not cover’ on pages 18 to 19 of this booklet,
your occupancy or ownership of any residence, building or land other than your lot or unit,
a legal liability which arises only because you have agreed to take that liability upon yourself,
a liability which arises only because you have admitted liability,
an event that you have organised or are legally responsible for, except where the event takes place at your lot or unit,
things done intentionally or left undone intentionally by you, or any person acting on your behalf, with reckless disregard for the consequences,
lifts, cars, motorbikes, minibikes, vehicles, watercraft (including sail boats) or aircraft (including gliders),
Vehicles do not include bicycles, motorised wheelchairs, golf carts or garden appliances which do not have to be registered.
an animal other than a domestic dog or cat,
vibration, or the removal of, or interference with the support of land, buildings or other property,
alterations, additions, repairs or redecorations of your lot or unit where the total value of the works exceed $20,000,
the transmission of any disease, contaminated body fluid or body product,
the consumption of alcohol or drugs, if your consumption of them caused or contributed to the accident,
employees or workers who are covered or should have been covered by Workers’ Compensation or similar legislation and who, at the time of the accident, were employed by you or your tenant or anyone living at the lot or unit,
the use of any part of your lot or unit for business, trade, professional services, farming of any type, but not:
the use of that part of the lot or unit used for performing office work,
any business, trade, profession or occupation conducted or operated or undertaken:
by you or on your behalf, unless the business is landlord of the insured property covered by this policy,
by or on behalf of your tenant or anyone living at the lot or unit,
by or on behalf of any company, trust or other legal entity in which you or your tenant or anyone living at the lot or unit has an interest (legal, beneficial or otherwise).
civil or criminal penalties or fines or aggravated, exemplary, punitive or multiple damages however described.