Each owner shall be liable to the Board of Directors for any damage to the common areas or to any of the equipment or improvements thereon which may be sustained by any reason of the negligence or willful misconduct of said owner or his family, relatives, guests, or invitees, both minor and adult. In the case of a joint ownership of a condominium, the liability of such owners shall be joint and several. In the event of personal injury or property damage sustained by any person while physically within the unit of any owner, and in the further event that any other owner shall be sued, or a claim made against him or her for said injury or damage, the owner or owners of that unit in which said injury or damage occurs shall fully indemnify and hold harmless any such other owners against whom such claim shall be made, and shall further defend any such other owners at his or her own expense in the event of litigation of such claims; provided, however, that such protection shall not extend to any other owner whose own negligence may have caused or contributed to the cause of any such injury or damage.