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Liberty Quality Home - house and contents insurance

 

 

Article A. BASIC COVER: MATERIAL DAMAGE OR LOSSES SUSTAINED BY THE BUILDING AND / OR CONTENTS

 

Pursuant to the cover conditions of the policy and the limit on the insured sum stipulated in the schedule, material damage  and / or direct material losses sustained by the building or contents due to the following causes are guaranteed:

 

A13. Liability

 

A.13.3 Employer's liability

 

For the purposes of this cover, THIRD PARTIES shall be construed as any household employee or other individual hired by the insured, included in the payroll and registered for Social Security Insurance, providing the accident occurs while carrying out normal domestic duties in the household.

 

SCOPE OF THE COVER

Overriding any provision to the contrary, the insurer guarantees any liability that might correspond to the insured pursuant to current regulations as a result of bodily injuries suffered by workers while carrying out their work.

 

SUM INSURED

The maximum limit on the indemnity per claim is euros 60,100

 

 

 

 

 

A14. Home assistance

 

 

THE FOLLOWING IS NOT COVERED:

Claims arising from:

a. Events not deemed to be work-related accidents or that are excluded from the cover provided by Compulsory Occupational Accident Insurance.

b. Employees who have not been registered for Compulsory Occupational Accident Insurance

c. Breaches of work and social welfare obligations, whether contractual or legal, that fall under the competence of Social Jurisdiction

d. Indemnities for accidents derived from events related to the use and circulation of vehicles, aircraft or vessels

e. Indemnities for accidents suffered by employees while travelling between the place of work and their residence, as well as during the course of any trips they might make for work-related reasons.

f. Indemnities and medical care expenses for occupational illnesses or for illnesses contracted by employees as a result of carrying out their job, as well as for heart attacks, thrombosis, cerebral haemorrhage and any other illnesses with similar causes or origins

g. Fines and sanctions imposed on the insured, as well as any pecuniary surcharges on the benefits established in current legislation for punitive reasons

h.  Material damage caused to property owned by the  insured's employees

i. Liabilities derived from behaviour classified as grave violations by a work inspection, as well as fraudulent or repeated breaches of occupational safety amd hygiene regulations.

j. Liabilities attributable to contractors and subcontractors not construed as the insured under this policy.

 

4. Risks excluded from all cover...

 

 

Optional cover

 

 

Sociedad de Agencia de Seguros Vinculada...     Linked insurance agency 

 

Liberty Quality Home - house and contents insurance

 

Glossaries ( Liberty Seguros - glossary / glosario )

 

Cover Summary 

 

Information statement

 

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