HO-3 Section II Liability

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HO-3 Section II Liability Coverages

Coverage E - Personal Liability Coverage F - Medical Payments to Others

Additional Coverages

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HO-3 Section II Liability Coverages

Coverage E - Personal Liability
Bodily Injury Property Damage Basic Personal Liability limits are $100,000. Circumstances under which Liability claim might arise

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HO-3 Section II Liability Coverages

Coverage F - Medical payments to others o All medical expenses with in 3 years of Injury o Reimbursed based on URC Conditions under which Coverage F applies

o The injury occurs to a person who has the permission to be at the insureds location
o The injured person is away from the insured location, and bodily injury arises out of a condition at the insured location or on property immediately adjoining the insureds location o A person is injured while away from the insured location by an activity performed by the insured o A person is injured away from the insured location by an insureds residence employee o An individual is injured by an animal owned by or in the care of an insured while off the insured premises

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HO-3 Section II Liability Coverages

Additonal Coverages
Claim Expenses
Expenses we incur Legal Expenses Premiums on Bonds Limited to Coverage E Reasonable Expenses like Meals, Parking Costs, Mileage, Loss of earnings upto $250 per day. Post judgement interest

First Aid Expenses Damage to property of others (Ex: A borrowed Camera)

Exclusions The damage is caused intentionally by an insured who is 13yrs or older Property owned by an insured is damaged Property owned by or rented to a tenant of an insured or a resident of the named insureds household is damaged The damage arises out of a business engaged in by an insured

Loss Assessment

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HO-3 Section II Liability Coverages Exclusions

Exclusions for Coverage E and F

Motor Vehicles Watercraft Aircraft Hovercraft Expected or Intended Injury

Business
Professional Services Insureds premise is not an insureds location War Communicable Disease

Sexual Molestation and Physical or Mental Abuse

Controlled Substances

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HO-3 Section II Liability Coverages Exclusions apply only to Coverage E

Loss Assessment
Liability assumed under Contract o Contracts relating to the ownership, maintenance, or use of insured location o Liability of others assumed by the insured before an accident occurs

Property in the Insureds Care

Damage to insureds property

Bodily Injury to persons eligible for Workers Compensation Benefits

Nuclear Liability

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HO-3 Section II Liability Coverages Exclusions apply only to Coverage F

Residence Employees off the premises
Bodily Injury eligible for Worker's Compensation Benefits Nuclear Reaction Injury to regular Residents

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HO-3 Section II Conditions that apply to E and F

Limit of Liability Severability of Insurance claim on more than one person Duties After Loss o Give Written Notice o Provides Claims Assistance o Submit evidence for damage to property of Others o Not make voluntary payments Duties of Injured Person under Coverage F

o Give an insurer written proof of claim

o Authorize an insurer to obtain copies of medical Reports Payment of Claim under Coverage F (no Admission of Liability)

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HO-3 Section II Conditions

Suit against Insurer Bankruptcy of an insured Other Insurance Coverage E( Excess Over other Collectible Insurance ) Concealment or Fraud Policy Period

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HO-3 Section I and II Conditions

Liberalization Waiver or Change of Provision Apparent Authority, Binding Authority Cancellation Condition (Non Payment of Premium, New policy effective less than 60 Days, Policy effective for more than 60 Days) Non Renewal Condition Assignment condition Subrogation Condition (Does not apply for Section II) Death Condition

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