Personal Liability (Section 9)

EXTENT OF COVER

If during the Period of Insurance and whilst on a Journey, an Insured Person becomes legally liable to pay damages in respect of either bodily injury to any person or loss of or damage to property AND such injury or damage is caused by an accident, We will indemnify the Insured Person against such damages up to the amount shown on the Schedule against Section 9.
We will also pay all legal costs and expenses which are recoverable by a claimant from the Insurance Person and/or incurred with Our written consent in the investigation of defence of any claim, in addition to the amount shown on the Schedule against Section 9.

CONDITIONS UNDER SECTION 9

No admission, offer, promise, payment or indemnity shall be made without Our written consent.

We shall be entitled to take over and conduct in the Insured Person's name the defence or settlement of any claim and We shall have full discretion in the handling of any proceedings.

We may at any time pay to the Insured Person, in connection with any claims or series of claims arising from the one original cause, the amount shown on the Schedule against Section 9 (after deduction of any amount(s) already paid as compensation) or any lesser amount for which such claim(s) can be settled and upon such payment being made, We shall be under no further liability in connection with such claim(s), except for the payment of costs and expenses recoverable or incurred prior to the date of such payment.

EXCLUSIONS UNDER SECTION 9

We shall not be liable in respect of:

1. Injury to any person arising in the course of their employment, contract of service or apprenticeship with You.
2. Loss of or damage to property belonging to or held in trust by or in the custody or control of You, an Insured Person or any of Your Employees.
3. Injury, loss or damage caused directly or indirectly by, through or in connection with, any mechanically propelled vehicle, aircraft or watercraft, when an Insured Person is the owner, driver or pilot thereof or has it in their care, custody or control or where the pilot is an Employee or agent of You or an Insured Person.
4. Injury, loss or damage to property caused by or arising from;
   1. the nature of products sold by You or an Insured Person
   2. advice furnished by You or by an Insured Person
   3. the conduct of Your business, trade or profession.
   4. Liability assumed under contract unless such liability would have arisen in the absence of such a contract.
   5. Aggravated, exemplary or punitive damages or the payment of any fine or penalty.