CMFAS PGI Personal Liability Insurance question: Product-type liability for a private individual

CMFAS PGIPersonal Liability Insurance

Product-type liability for a private individual (e.g. someone becomes ill after eating food the insured gave them) would, if covered at all, fall under:

A The motor policy, if the food was delivered using the insured's car
B The travel policy's baggage section, as the food was the insured's own property
C The personal liability section, as liability for accidental injury to a third party
D The home buildings section, since the food was prepared in the insured's kitchen

Show the answer and explanation

Answer: C. The personal liability section, as liability for accidental injury to a third party

Legal liability of a private individual for accidentally injuring a third party (including via something they supplied privately) is the province of personal liability cover, subject to its exclusions.

Common mistake

This is a personal liability matter, not a property/motor/travel-baggage issue.

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CMFAS PGI Personal Liability Insurance question: Product-type liability for a private individual

Answer: C. The personal liability section, as liability for accidental injury to a third party

Common mistake

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CMFAS PGI Personal Liability Insurance question: Product-type liability for a private individual

Answer: C. The personal liability section, as liability for accidental injury to a third party

Common mistake

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