Traffic Accidents

Natural Perils

Animal-related Injury 

Bodily injury sustained by the Insured as a result of traffic accidents, whether occurring while driving or riding in any type of vehicle, or while acting as a pedestrian.

Bodily injury arising from exposure to natural hazards, including but not limited to strong winds, dust storms, snowstorms, heavy rainfall, hail, floods, fire, lightning, landslides, collapse, or subsidence caused by earthquakes.

Bodily injury caused by bites, stings, kicks, impacts, scratches, or collisions involving livestock, domestic or wild animals, or insects, including injuries resulting from falling from a horse or being dragged by an animal.

  A Negligent or Deliberate act of a Third Party

Household Perils

Bodily injury resulting from any criminal offence, misdemeanor, tort, or other intentional, reckless, or negligent act or omission committed by a third party.

Bodily injury sustained by the Insured due to household or everyday risks, including but not limited to burns or smoke inhalation from house fires, carbon monoxide or toxic gas poisoning, electric shock caused by voltage fluctuations, cuts from sharp objects or tools, falls from height, slipping, stumbling, or freezing
Impact from falling objects.
Coverage applies while the Insured is at home, at the workplace, at summer camps, school dormitories, on public streets, or while travelling.