Personal Liability

Property damage
If a claim is made or a suit is brought against You for Property Damage caused by an Occurrence to which this coverage applies, We will pay up to the amount stated in the Policy Schedule or the Schedule of Benefits (refer to 'Schedule of Benefits' of this Policy), subject to any applicable Deductible, for Our limit of liability for the damages for which You are legally liable.

Medical payments to others
We will pay the necessary medical expenses that are incurred or medically ascertained within one year from the date of an Accident causing Bodily Injury. Medical expenses means reasonable charges for medical, surgical, X-ray, dental, ambulance, Hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to You or regular residents of Your household. As to others, this coverage applies only if the Bodily Injury is caused by Your activities.

Definitions

Business - means trade, profession or occupation.

Occurrence - means an Accident, including continuous or repeated exposure to substantially the same general harmful conditions, which results, during the Trip, in Bodily Injury or Property Damage.

Property damage - means physical injury to, destruction of or loss of use of tangible property.

Residence premises - means the dwelling where You reside.

Bodily injury - means bodily harm, Sickness or Disease, including required care, loss of services and death that results.

Exclusions
In addition to the General Exclusions listed in this Policy this coverage section shall not cover and We will not be liable under this section for any:

• Liability which is expected by or intended for You; or
• Liability arising out of or in connection with a Business engaged in by You. This exclusion applies but is not limited to an act or omission, regardless of its nature or circumstance, involving a service or duty rendered, promised, owed, or implied to be provided because of the nature of the Business; or
• Liability arising out of the rental or holding for rental of any part of any premises by You; or
• liability arising out of the rendering of or failure to render professional services; or
• Liability arising out of a premises, water craft or aircraft that is owned by, rented to or rented by You; or
• Liability arising out of the ownership, maintenance, use, loading or unloading of motor vehicles, all other motorized land conveyances, water craft or aircraft; or
• Liability arising out of the transmission of a communicable Disease by You; or
• liability arising out of sexual molestation, corporal punishment, or physical or mental abuse; or
• Liability arising out of the use, sale, manufacture, delivery, transfer or possession by any person of a controlled substance or contraband as defined by the appropriate authority or the Federal Food and Drug Agency or equivalent or similar organization; or
• Liability under any contract or agreement; or
• Property Damage to property owned by You; or
• Property Damage to property rented to, occupied, or used by or in the care of You; or
• Bodily Injury to any person eligible to receive any benefits voluntarily provided or required to be provided by You under any worker's compensation law, non-occupational disability law or occupational Diseases law, or similar law; or
• Suits or legal actions arising from Your Immediate Family Member, or Traveling Companion or Immediate Family Member of a Traveling Companion against You.