Flora private life TPL insurance

• You, as a policyholder;
• All the people you live with (spouse, children, family members, roommates…).

• People who are temporarily living in your home (vacations, family celebrations, special events);
• Minors in the custody of a primary insured;
• People who take care of your children (or the children you live with) and/or of your pets;
• Your domestic staff when they work for you, for private purposes, i.e. not for your home-based business;
• Your caregivers, if any, when acting for private purposes.

Flora provides cover to insured persons against the risk that one day they might have to face significant expenses, to compensate someone (a third party) they have wrongfully caused a material and/or bodily injury to.

Flora covers damages caused to third parties (neighbour, friend, teacher, grandparent…) by the insured children.

Flora covers the liability of the principal insureds in case of damage caused by pets (dog, cat, guinea pig, parrot…) they own or take care of.

By pet, we mean tame animals that you own and care for private purposes.

Flora covers the liability of insureds who travel in case of damage caused to third parties, even on the way to work, when the insured is a:

• pedestrian;
• driver or passenger of a non-motorized vehicle (regular bicycle, skateboard, rollerblade…);
• driver or passenger of an electric bicycle or a motorized vehicle (hover board, electric scooter, electric wheelchair for the disabled…) which is not subject to the obligation of a car civil liability insurance.

Flora covers the liability of the primary insured for damages caused to third parties during sports or leisure activities (tennis, field hockey, acting, youth movements…).

Flora covers the liability of the primary insured for damage caused to third parties when:

• camping or caravanning;
• on a temporary or occasional stay, for private or professional purposes, in a hotel or similar accommodation;
• on a temporary hospital stay as patient.

Flora covers the liability of the insured in case of damage caused to third parties when they volunteer within a de facto association or a private or non-profit public legal entity (examples: voluntary work at the Red Cross, member of a neighbourhood committee, member of a youth movement, associative work, citizen-to-citizen service…).

Flora covers the liability of the person who takes care of the maintenance of your home and/ or its exterior as well as the liability of any caretakers when they cause damage to a third party (example: while cleaning your bedroom window, your household helper drops her bucket on your neighbour’s car) as they work for you, in a private capacity and not for your professional activities.

Flora covers the liability of the primary insured for damage caused to third parties by:

• buildings or parts of buildings, as well as their contents, occupied by the primary insureds either as their principal or secondary residence (example: your balcony collapses on the neighbour’s car);
• buildings or parts of buildings not occupied by any of the primary insureds but owned by them;
• student housing occupied by the primary insured for the duration of their studies;
  land owned by one of the principal insureds;
• construction, renovation or maintenance work on the main or secondary residence of one of the primary insureds;
• the use of elevators provided they have been technically serviced by an approved company
  within the last 12 months.