Definition Of Liability, Personal Exposures In Insurance

Definition of "Liability, personal exposures"

John Parker, Real Estate Agent Coldwell Banker Residential Brokerage

Acts or omissions that result in suits against an individual and/or residents of the individual's household for actual or imagined bodily injury and/or property damage to a third party. Exposures include:

ownership, use, and possession of property concerning: trespass the obligation is not to render property safe for a trespasser,but one cannot create a death trap or maintain an attractive nuisance, such as a swimming pool, without proper safeguards; licensee the obligation is not to render property safe for a licensee but to provide adequate warning of any hidden dangers such as quicksand at the side of an approach road; invitation the obligation is to render the property safe for an invitee's visit. For example, if someone trips on a throw rug, the owner or occupier of the premises can be held liable.
ownership, use, and possession of a motorized vehicle on or off premises.
involvement in sports.
actions of pets.