Householder Insurance Primers

Public Liability Risk and Workmen's Compensation Risk


Monday 07 January 2008

This section protects you against liability to the general public for accidental death, bodily injury, or property damage. It also provides you cover for any liability towards your employees under the Workmen's Compensation Act for any injury or death in the course of their employment.

Some householders' insurance policies also cover the householder's legal liability as a tenant to the landlord for damage to the building, electrical installations, and other home fittings due to fire, burglary, and other perils.

Exclusions

  • <!--[if !supportLists]--> Expense arising out of deliberate or willful non-compliance with any statutory provisions connected with fines, penalties<!--[endif]-->
  • <!--[if !supportLists]--> Any expense in connection with any motor vehicles, watercraft, and aircraft<!--[endif]-->
  • <!--[if !supportLists]--> Any interest imposed in connection with Workmen's Compensation Act<!--[endif]-->
  • Expenses on animals, kept for commercial or agricultural purposes

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See also:

Fire and Its Associated Perils

Burglary, Housebreaking & Other Perils

All Risks (Jewelry and Valuables)

Plate Glass

Breakdown of Domestic Appliances

Breakdown of Electronic Equipment

Pedal Cycle

Baggage

Personal Accident

Increased Living Expenses

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