Liability Refers to when you can be held legally liable to pay damages arising out of any event

The increasing cost of negligence

In today’s world, people are more and more aware of their “rights”. They will often not hesitate to sue you for loss or damages which they believe is due to your negligence.

Typical examples include your dog biting a passer-by, or someone other than your family falls and break a leg

What is your responsibility?

Tell us immediately about any incident that caused another person’s bodily injury, illness, death, damage to property or loss of property. Do not wait until you receive a letter telling you that another person holds you legally liable.

Tell us immediately after you receive a letter of demand or a summons, or if another legal process was issued by you or against you.

Send us all police reports, court documents, letters of demand or settlement offers.

You must never admit guilt. If you do, you may not have cover under this policy.