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Tenants And Neighbors Liability

Tenants and Neighbors Liability

Definition

Coverage that applies in countries (such as France) where the Napoleonic Code exists and is often written subject to a specified sublimit. Under the Napoleonic Code, a tenant may be presumed liable for fire, water, or explosion damage that originates on the insured's premises and spreads to premises occupied by other tenants. A landlord may also be liable for maintenance or constructional defects. Coverage includes

  • the liability of tenants, meaning the financial consequences of the insured's liability as a tenant to the landlord;
  • the liability of neighbors, meaning the financial consequences of the insured's liability for damage to property of other tenants in the same building; and
  • the liability of the landlord, meaning liability imposed on the insured as a landlord for constructional defects or lack of maintenance.

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