Alameda City Council
July 12, 2022

COMMERCIAL GENER

AL LIABILITY COVER
A

GE FORM
(2)
The
"bodil
y
in
jury"
or
"propert
y
da
mage"
occurs
Various
pro
visions
in
th
is
polic
y
restric
t
co
v
erage.

R
ead

the
entire
po
l
icy
care
fu
l
ly
to
deter
m
ine
r
ights,
duties
and

during the po
lic
y per
iod; and
what is and is not co
v
ered.
(3)
Prior
to
the
pol
icy
period
,
no
insured
listed
under
Paragraph

1. o
f
Sec
tion
II
–
Who
Is
An
Throughout
this
policy
the
word
s
"you"
a
nd
"your"
refer
to
the
Named
Insured
sho
wn
in
the
Declarat
ions,
and
any
Insured
and n
o "employee" authorized by you to
other
person
or
organization
qualif
y
ing
as
a
Na
med
gi
v
e
or
rece
i
v
e
not
ice
o
f
an
"occurrence"
or
Insured
under
this
policy
.

The
words
"w
e",
"us"
and
"our"
clai
m
,
knew
that
the
"bod
ily
injury
"
or
"propert
y
refer
to
the
stock
insurance
company
me
mber
of
The
damage"
had
occurred,
in
whole
or
in
part
.

I
f
Hart
ford pro
v
id
ing
this
insurance.
such
a
listed
insured
or
authorized
"e
mp
loyee"
knew,
prior
to
the
policy
period,
that
the
"bodil
y
The
word
"insured"
means
a
ny
pers
on
or
organiza
tion
injury
"
or
"property
damage"
occurred,
then
any
qualif
ying as such under Sect
ion
II
–
W
ho Is An
Insured.
continuat
ion,
change
or
resumpt
ion
o
f
such
Other
word
s
and
phra
ses
that
app
ear
in
quotation
m
arks

"bodily
in
jury"
or
"propert
y
da
mage"
during
or
ha
ve special
meaning.

Re
fer
to Sec
tion

V
–De
f
in
it
ions.
af
ter
the
po
l
icy
per
iod
wil
l
be
deemed
to
ha
v
e
SEC
TI
ON
I – COVERAGES

been kno
wn prior to
the pol
ic
y period
.

COVERAGE
A
BODILY
INJURY
AND

PROPERT
Y
c.
"Bodi
ly in
jury"
or
"property
da
mage"
wil
l
be
deemed
DAM

AGE LIABILI
T
Y
to
ha
ve
been
known
to
ha
ve
occurred
a
t
the
earliest
t
i
me
when
any
ins
ured
listed
under

1. Insur
in
g Agreement
Paragraph

1. of
Sect
ion
I
I
–
W
ho
Is
An
Insured
or

a.

W
e
wil
l
pay
those
sums
that
the
insured
becomes
any
"emp
loyee"
authori
zed
by
you
to
gi
v
e
or
legally
ob
liga
ted
to
pay
as
damages
becaus
e
of
recei
v
e not
ice of
an "oc
currence" or c
la
i
m
:
"bodily
in
jury"
or
"property
da
mage"
to
which
this
(1)
Reports
all,
or
any
part,
of
the
"bodi
ly
in
jury"
or
insurance
applies.

W
e
wil
l
ha
v
e
the
righ
t
and
duty
"property da
mage" to
us or any other
insurer;
to
de
fend
the
insured
against
any
"suit"
seeking
those
damages.

How
e
ver,
we
wil
l
ha
v
e
no
duty
to
(2)
Recei
ves
a
written
or
v
erbal
de
mand
or
c
lai
m
defend
the
insured
against
a
ny
"suit"
seeking

for
da
mages
becaus
e
of
the
"bodi
ly
injury
"
or
damages
for
"bodi
ly injury
"
or
"property
damage"
to
"property da
mage"; or
which
this
i
n
surance
doe
s
n
ot
apply.

We
may,
at
(3)
Becomes
aware
by
any
other
means
that
our
discretion,
in
v
est
igate
any
"occurrence"
and
"bodily
injury
"
or
"property
damage"
has
settle any c
la
i
m or
"suit" that
may
result.

But:

occurred or has begun to occur.
(1)
The
a
mount
we
will
pay
for
da
mages
is
l
i
m
ited
d.

Damages
becaus
e
of
"bodi
ly
in
jury"
inc
lude
as
de
scribed
in
Sect
ion
I
II
–
L
i
m
its
O
f
damages
clai
m
ed
by
any
person
or
organizat
ion for
Insurance; and
care,
loss
of
serv
ices
or
death
re
sulting
at
any
time
(2)
Our
r
ight
and
dut
y
to
de
fend
ends
whe
n
we
f
ro
m
the "bodi
ly
in
jury".

ha
ve used u
p the applicable l
i
m
it o
f
insurance in
e.

Inci
denta
l Me
dical
Mal
practice
the
payment
o
f
judg
ments
or
s
ettle
ments
under
(1)
"Bodi
ly
in
jury"
ar
ising
out
o
f
the
rendering
o
f
or
Co
verages
A
or
B
or
medical
e
xpenses
under
fa
i
lure
to
render
pro
fessional
health
care
Co
verage
C.
serv
ices
as
a
p
hysician,
dentist,
nurse,
No
other
obligation
or
liabi
l
it
y
to
pay
sums
or

emergency
med
ical
techni
cian
or
para
medi
c
perfor
m
acts
or
ser
v
ices
is
co
v
ered
unless
expl
ic
it
ly
shall
be
deemed
to
be
cau
sed
by
an
pro
v
ided
for
under
Supple
mentary
Pay
ments
–
"occurrence", but
only i
f
:

Co
verages
A
and
B.
(a)
The
physician,
dentist,
nurse,
emergency
b.

This
insurance
applies
to
"bodi
ly
injury
"
and
med
ical
technician
or
paramedic
is
"property da
mage" only
i
f:

emp
loyed
by
you
to
pro
v
ide
such
s
er
v
ices;
(1)
The
"bodily
in
jury"
or
"property
damage"
is
and
caused
by
an
"occurrence"
that
takes
place
in
(b)
You
are
not
eng
aged
in
the
b
usine
s
s
or

the "co
v
erage terr
itor
y";
occupation o
f
pro
v
id
ing such ser
vi
ces.

HG 00 01 06 05

of 18
© 2005 The
Hart
ford
(Includes copyrighted
m
ater
ial
o
f
Insurance Ser
v
ices O
f
f
ice
, Inc
. with
i
ts perm
ission.)
POLICY NUMBER: 72UUNPT8507
INSURED: NTH Generation Computing, Inc.

(2)
For
the
purpose
of
deter
m
ining
the
l
i
m
its
o
f
d.

Workers' Compensati
on
And
Simi
lar La
ws
insurance
for
inc
idental
medica
l
ma
lpract
ice
,
Any
obligat
ion
of
the
insured
under
a
worker
s'

any act or om
ission together with all
related acts
compensation,
d
isabil
ity
bene
f
its
or
unemp
loy
ment
or
om
issions
in
the
furn
ishing
o
f
these
ser
vi
ces
compensation
law or any si
m
ilar
law.
to
any
one
person
will
be
considered
one
e.

Empl
oyer's Lia
bi
lity

"occurrence".
"Bodi
ly
injur
y"
to:

2. Exclusi
ons
(1)
An
"e
mployee"
o
f
the
insured
arising
out
o
f
and
This insurance does not apply to
:
in the
course of
:
a.

Expected
Or I
nten
ded
I
nj
ury
(a)
E
mploy
ment
by
the
insured; or
"Bodi
ly
injur
y"
or
"property
da
mage"
e
xpected
or
(b)
Per
for
m
ing
duties
related
to
the
conduct
o
f
intended
fro
m
the
standpoint
of
the
insured.

This
the insured's bu
sines
s; or
exc
lusion
does
not
apply
to
"bodily
in
jury"
or
(2)
The
spou
se,
chi
ld,
parent,
brother
or
sister
o
f
"property
damage"
result
ing
fro
m
the
use
of
that
"e
mp
loyee"
as
a
consequence
of
reason
able
force
to protect
persons or property.

Paragraph (1) abo
ve
.

b.

Contractua
l
Liab
il
ity
This e
xc
lusion applies:
"Bodi
ly
in
jury"
or
"property
damage"
for
which
the

(1)
W
he
ther
the
insured
may
be
l
iable
as
an
insured
is
obligated
to
pay
damages
by
rea
so
n
of
emp
loyer or
in any
other capac
ity
; and
the
as
sumption
of
liab
i
li
ty
in
a
contract
or
agreement.

This e
xclusion does not apply to l
iabi
l
ity
(2)
To
any
obligat
ion
to
share
damages
with
or
for
da
mages:
repay
someone
else
who
must
pay
da
mages
becaus
e of
the
injur
y.
(1)
That
the
insured
would
ha
ve
in
the
absence
o
f
the contract
or agree
ment;
or
This
exc
lusion
does
not
apply
to
l
iabi
l
ity
assumed
by the
insured under an "insured contract".

(2)
Ass
umed
in
a
contrac
t
or
agreement
that
is
an
"insured contract", pro
v
ided the "bodil
y in
jury" or
f.

Pol
lut
io
n
"property
da
mage"
occurs
sub
sequ
ent
to
the
(1)
"Bodi
ly
in
jury"
or
"property
da
mage"
arising
out
execut
ion
o
f
the
contrac
t
or
agreement
.

So
lel
y
of
the
actual
,
al
leged
or
threatened
discharge,
for
the
purposes
of
l
iabi
l
ity
assumed
in
an
dispersal,
seepag
e,
migra
tion,
re
lease
or
"insured contract", reasonable attorney fees and
escape of "pol
lutants":
neces
sary
lit
igation
e
xpenses
incurred
by
or
for
(a)
At
or
f
ro
m
any
prem
ises,
site
or
location
a
party
other
than
an
insured
are
deemed
to
be
which
is
or
w
as
at
any
ti
me
owne
d
or

damages
becau
se
of
"bodi
ly
in
jury"
or
"property
occupied
by,
or
rented
or
loaned
to,
any

damage",
pro
v
ided:

insured.

Ho
wever,
this
subp
aragraph
doe
s

(a)
Liabi
li
ty
to
such
party
f
or,
or
for
the
cost
o
f,
not apply
to:
that
party's
defense
ha
s
al
so
bee
n
a
s
sumed
(i)
"Bodi
ly
in
jury"
i
f
sustained
within
a
in the
same "
insured contract"
; and
build
ing
and
cau
sed
by
smoke,
fu
mes,
(b)
Such
attorney
fees
and
lit
igat
ion
expenses

v
apor
or
soot
produced
by
or
or
iginat
ing
are for defense of that party against a ci
v
i
l or
f
ro
m
equip
ment
that
is
used
to
heat,
coo
l
alternat
i
v
e
dispute
resolution
proceeding
in
or
dehumid
i
f
y
the
bui
ld
ing,
or
equip
men
t
which
damages
to
which
this
insurance

that
is
used
to
heat
water
for
personal
applies are al
leged.
use,
by
the
build
ing's
occupants
or
their
c.

Li
qu
or L
iab
ili
ty
guest
s;
"Bodi
ly
in
jury"
or
"property
da
mage"
for
which
any
(ii)
"Bodi
ly
in
jury"
or
"property
da
mage"
for
insured may
be held
l
iable by
reason of
:
which you may be held liable
, i
f
you are a
contractor
and
the
owner
or
less
ee
of
(1)
Causing or contributing to the
into
x
icat
ion o
f any
such
premises,
site
or
locat
ion
has
been
person;
added
to
your
polic
y
as
an
additiona
l
(2)
The
furnishing
o
f
alcoho
lic
be
verages
to
a
insured
with
respect
to
your
on
going
person u
nder the legal drink
ing age or under the
operations
perfor
med
f
or
that
addi
tiona
l
in
f
luence o
f a
lcohol
; or

insured
at
that
pre
m
ises,
site
or
locat
ion
(3)
Any
statute,
ordinance
or
regulation
relat
ing
to
and
such
premises,
site
or
loca
tion
is
not
the
sale,
gi
ft,
d
istribut
ion
or
use
of
alcoholi
c
and
never
was
o
wne
d
or
occupied
by,
or
be
verages.
rented
or
loaned
to,
any
insured,
other
This
ex
clusion
appl
ies
only
i
f
you
are
in
the
than that add
it
ional
insured; or
busine
ss
of
manu
fac
turing
,
distribut
ing,
sell
ing,
serv
ing or
furnishing a
lcohol
ic
be
verages.

of 18
HG 00 01 06 05

(iii
)
"Bodi
ly
injury
"
or
"propert
y
da
mage"
(e)
At
or
f
ro
m
any
prem
ises,
site
or
locat
ion
on

arising
out
o
f
heat,
s
moke
or
fu
mes
fro
m
which
any
insured
or
a
ny
contractors
or

a "hostile
f
i
re";
subcontractors
working
directl
y
or
indirec
tl
y
on
any
insured'
s
b
ehalf
are
per
for
m
ing
(b)
At
or
f
ro
m
any
prem
ises,
site
or
location
operations
i
f
the
operations
are
to
test
for
,
which
is
or
wa
s
at
any
ti
me
used
by
or
for
mon
itor
,
c
lean
up,
re
mo
v
e
,
conta
in,
treat
,
any
insured
or
others
for
the
handling,
detox
i
fy
or
neutral
ize
,
or
in
any
way
respon
d
storage,
dispo
sal,
proces
sing
or
treatment
o
f
to, or asses
s the ef
fec
ts o
f,
"pol
lutants".
wa
ste;
(2)
Any loss, cost or e
xpense arising out o
f
any:
(c)
W
h
ich
are
or
were
at
any
t
i
me
transported,
(a)
Reque
st,
demand,
order
or
statutory
or
handled,
stored,
treated,
dispo
sed
of,
or
proces
sed a
s w
aste by or for
:
regulatory
require
ment
that
any
insured
or

others
te
st
for,
moni
tor,
c
lean
up,
remo
v
e,
(i)
Any insured; or
contain,
treat
,
detox
i
f
y
or
neutralize
,
or
in
(ii)
Any
person
or
organization for
whom
you
any
way re
spond
to, or as
se
s
s the
ef
fec
ts of,
may
be
legal
ly responsible;
"pollu
tants"; or
(d)
At
or
f
ro
m
any
prem
ises,
site
or
locat
ion
on

(b)
Clai
m
or
suit
by
or
on
behalf
o
f
a
which
any
insured
or
a
ny
contractors
or

go
vern
menta
l
authori
ty
for
damages
subcontractors
working
directl
y
or
indirec
tl
y
becaus
e
of
testing
for
,
mon
itor
ing,
c
leaning
on
any
insured'
s
b
ehalf
are
per
for
m
ing
up,
remo
v
i
ng,
conta
in
ing,
treat
ing,
operations
i
f
the
"pol
lutants"
are
brought
on

detox
i
fy
ing
or
neutrali
zing,
or
in
any
way

or
to
the
pre
m
ises,
site
or
locat
ion
in
respon
ding
to,
or
a
ss
es
sing
the
ef
fec
ts
of,
connection
with
such
operations
by
suc
h
"pollu
tants".
insured,
contractor
or
subcontractor.

How
e
ver,
this
paragraph
does
not
apply
to
How
e
ver,
th
is
su
bparagrap
h
doe
s
not
apply

liab
i
li
ty
for
da
mages
becau
se
of
"property
to:
damage"
that
the
insured
would
ha
ve
in
the
(i)
"Bodi
ly
injury
"
or
"propert
y
da
mage"
abse
nce
of
such
requ
est,
demand,
order
or

arising
out
o
f
the
escape
o
f
fue
ls,
statutory
or
regulatory
require
men
t,
or
such
lubrican
ts
or
other
operating
flu
ids
which
clai
m or "suit
" by or on be
half o
f a go
vern
men
tal
are
needed
to
perfor
m
the
nor
ma
l
authority
.
electr
ica
l,
hydraul
ic
or
me
chanica
l
g.

Aircraft, Auto Or Watercraft
func
tions
neces
sary
for
the
operation
o
f
"
mobi
le
equipment
"
or
its
parts,
if
such
"Bodi
ly
in
jury"
or
"property
da
mage"
arising
out
o
f
fue
ls,
lubri
cants
or
other
op
erating
f
lu
ids
the
o
wner
ship,
ma
intenance,
use
or
entru
stment
to
escape
fro
m
a
v
ehic
le
part
designed
to
others
of
any
aircraf
t,
"auto"
or
watercraft
owned
or

hold,
store
or
recei
v
e
the
m.

This
operated by or rented or
loaned to any
insured. Use

except
ion
does
not
ap
ply
i
f
the
"bodil
y
includes operation and "
loading or
unload
ing".
injury
"
or
"property
damage"
ar
ises
out
of
This
exc
lusion
applies
e
ven
i
f
the
c
lai
ms
against
the
intent
ional
d
ischarge,
dispersal
or
any
insured
allege
negligence
or
other
wrongdoing

release
of
the
fuels,
lubr
icants
or
other
in
the
sup
er
v
ision,
hir
ing,
emp
loy
ment
,
train
ing
or
operating
f
luids,
or
i
f
such
fuels,
mon
itor
ing
of
others
by
that
insure
d,
i
f
the
lubrican
ts
or
other
operating
flu
ids
are
"occurrence"
which
cau
sed
the
"bo
dily
injury"
or
brought
on
or
to
the
prem
ises,
site
or
"property
damage"
in
v
o
l
v
ed
the
o
wner
ship,
locat
ion
with
the
in
tent
that
they
be
ma
intenance,
use
or
e
ntrustment
to
others
of
any
discharged, dispers
ed or released a
s part
aircra
f
t,
"auto"
or
watercraf
t
that
is
owne
d
or

of
the
operations
being
per
for
med
by
operated by or rented or
loaned to any
insured.
such
insure
d,
contractor
or
This e
xc
lusion does not apply to
:
subcontractor
;
(1)
A
watercraft
while
ashore
on
premises
yo
u
o
wn
(ii)
"Bodi
ly
injury
"
or
"propert
y
da
mage"
or rent;
su
stained
within
a
build
ing
and
cau
sed
(2)
A watercraf
t you do
not own that
is:
by
the
release
o
f
gases,
fu
mes
or
v
apors
f
ro
m
ma
teria
ls
brought
into
that
bu
ild
ing
(a)
Les
s than 51 feet
long; and
in
connect
ion
with
operations
being
(b)
Not
being
use
d
to
carry
per
son
s
for
a
perfor
med
by
you
or
on
your
behalf
by
a
charge;
contractor or
subcontractor; or
(3)
Parking
an
"auto"
on,
or
on
the
ways
next
to,
(iii
)
"Bodi
ly
injury
"
or
"propert
y
da
mage"
prem
ises
you
o
wn
or
rent,
pro
v
ided
the
"auto"
is
arising
out
o
f
heat,
s
moke
or
fu
mes
fro
m
not
o
wned
by
or
rented
or
loaned
to
you
or
the
a "hostile
f
i
re";
or
insured;
HG 00 01 06 05

of 18

(4)
Liabi
li
ty
assumed
under
a
ny
"insured
co
ntract"
working
d
irectly
or
ind
irect
ly
on
your
behalf
are
for
the
owner
ship,
main
tenance
or
u
se
of
perfor
m
ing
operations,
i
f
the
"property
da
mage"
aircra
f
t or watercra
f
t;

arises out of
those operations; or
(5)
"Bodi
ly
in
jury"
or
"property
da
mage"
arising
out
(6)
That
parti
cular
part
o
f
any
property
tha
t must
be
of
the operation o
f any o
f
the equip
ment
l
isted in
restored,
repaired
or
replaced
becaus
e
"your
Paragraph
f.(2)
or
f.(3)
o
f
the
de
f
ini
tion
o
f
work" w
as incorrectly
pe
r
for
med on
it
.
"
mobi
le equip
ment
"; or

Paragraphs
(1),
(3)
and
(4)
of
th
is
exclusion
do
not
(6)
An
aircra
f
t
that is
not
owned
by
any
in
sured
and
apply
to
"propert
y
da
mage"
(other
than
damage
by
is
hired,
chartered
or
loaned
with
a
paid
crew.
f
ire)
to
pre
m
ises,
inc
luding
the
contents
o
f
such
How
e
ver,
this
excep
tion
does
not
apply
i
f
the
prem
ises,
rented
to
you
for
a
period
o
f
7 or
fewer
insured ha
s a
ny other insurance
for such "bodily
consecuti
ve
days.

A
separate
li
m
i
t
o
f
insurance

injury
"
or
"property
da
mage",
whether
the
other
applies
to
Damage
To
Prem
ises
Rented
To
You
a
s

described in Sect
ion
II
I
–
L
i
m
its O
f
Insurance.
insurance
is
primary
,
e
xcess,
contingent
or
on
any other basis.

Paragraph
(2)
of this exc
lusion does not a
pply i
f the
h.

Mob
ile
Eq
ui
pment

prem
ises are "your
w
ork" and
were n
e
ver occupied,
rented or held
f
or renta
l by
you.
"Bodi
ly
injur
y" or
"property da
mage"
arising out
o
f:

Paragraphs
(3)
and
(4)
of
this
e
xc
lusion
do
not
(1)
The
transportation
o
f
"
mob
ile
equip
ment"
by
an
apply
to
“property
damage”
arising
fro
m
the
use
of
"auto" owned
or operated by or rented or loaned
ele
va
tors.
to any
insured; or
Paragraphs
(3),
(4),
(5)
and
(6)
o
f
this
e
xc
lusion
do
(2)
The
use
of
"
mobi
le
equipmen
t"
in,
or
while
in
not
apply
to
liab
i
li
ty
assumed
under
a
sidetrack
practice
for,
or
while
being
prepared
for,
any
agreement.

prearranged
racing,
sp
eed,
demol
it
ion,
or
Paragraphs
(3)
and
(4)
of
this
e
xc
lusion
do
not
stunting act
i
v
i
ty
.
apply
to
"property
da
mage"
to
borrowed
e
quipment
i.

War
while
not
being
used
to
perfo
rm
operat
ions
at
the
"Bodi
ly
injur
y"
or
"property
da
mage",
ho
w
ever
job site.

caused, arising, direc
t
ly or
ind
irect
ly
, out o
f
:

Paragraph
(6)
of
this
exc
lusion
does
n
ot
apply
to
(1)
W
a
r,
inc
luding undec
lared or c
i
v
i
l
war;
"property
da
mage"
included
in
the
"products-
(2)
W
a
rl
ike
act
ion
by
a
mi
l
itary
f
orce,
inc
luding
comp
leted operat
ions hazard".
action
in
hindering
or
defend
ing
against
an
k.

Damage
To
Y
our
Pro
duct
actual
or
expec
ted
attack,
by
any
go
vern
ment
,
"Property da
mage" to "your product" arising out o
f
it
sovere
ign
or
other
author
it
y
using
m
il
i
tary
or any part o
f
it
.
person
nel or other agents; or
l.

Damage
To
Y
our W
ork
(3)
Insurrection,
rebell
ion,
re
v
o
lut
ion,
usurped
pow
er,
or
action
taken
by
go
vern
menta
l
"Property damage" to "your work" arising out of it or
authority
in
h
indering
or
de
fending
against
any
any
part
of
it
and
inc
luded
in
the
"products-
of
these.
comp
leted operat
ions hazard".
j.

Damage
To
Pro
perty
This
exc
lusion
does
not
apply
i
f
the
damaged
work

or
the
work
out
of
which
the
da
mage
arises
wa
s

"Property da
mage"
to:
perfor
med
on your behal
f
by a
subcontractor.
(1)
Property you own, rent, or occupy, inc
luding any
m.

Damage
To
Impaire
d
Pro
perty
Or
Pro
perty
Not
costs
or
expens
es
incurred
by
you,
or
any
other
Physically
I
nj
ured
person,
org
anization
or
entit
y,
for
repair
,
replace
ment,
enhancemen
t,
restoration
or
"Property
da
mage"
to
"
i
mpaired
propert
y"
or
ma
intenance
o
f
such
property
for
any
reason,
property
that
has
not
been
phy
sical
ly
injured,
includ
ing
pre
vent
ion
o
f
in
jury
to
a
person
or
arising out o
f
:
damage to
another's property;
(1)
A
defec
t,
de
f
ic
iency,
inadequacy
or
dangero
us
(2)
Prem
ises
you
sell,
gi
v
e
away
or
a
bandon,
if
the
condit
ion in
"your product
" or
"your work"; or
"property
damage"
ar
ises
out
of
any
part
o
f
(2)
A
delay
or
fai
lure
by
you
or
anyone
acting
on
those premises;
your
behalf
to
per
for
m
a
contrac
t
or
agree
ment
(3)
Property
loaned to you;
in accordance with
i
ts ter
ms.
(4)
Personal property in the care, cu
stody or control
This
exc
lusion
does
not
ap
ply
to
the
loss
of
use
of
of
the
insured;
other
property
arising
out
o
f
sudden
and
accidental
physical injury
to
"
your
product"
or "your
work"
a
fter
(5)
That
particu
lar
part
o
f
real
property
on
which
it
has been put to
its in
tended use.
you
or
any
contractors
or
subcontractors

of 18
HG 00 01 06 05

n.

Recall
Of
Prod
ucts,
Work
Or
Impaired

kind
to
person
s
or
property
which
would
not

Property
ha
ve
occurred
in
w
hole
or
in
part
but
for
the
"asbe
sto
s hazard";
Damages
clai
med
f
or
any
loss,
cost
or
expense

(b)
Arise
out
of
any
request,
demand,
order
or

incurred
by
you
or
other
s
for
the
los
s
of
use,

wit
hdraw
al,
recal
l,
inspection,
repair,
rep
lace
ment,
statutory
or
regulatory
require
ment
that
any
ad
justment
, re
mo
v
a
l or
disposal o
f:
insured
or
others
te
st
for,
mon
itor
,
c
lean
up,
remo
v
e
,
encapsulate,
conta
in,
treat,
deto
x
i
fy
(1)
"Your product";

or
neutralize
or
in
any
w
ay
re
spond
to
or

(2)
"Your work"; or
as
se
s
s
the
ef
fects
of
an
"asbesto
s
hazar
d";
(3)
"I
mpaired
property";

or
i
f
such
product,
work,
or
property
is
withdrawn
or

(c)
Arise
out
o
f
any
c
la
i
m
or
suit
for
damages
recalled f
ro
m the market
or f
ro
m
use
by
any
person

becaus
e
of
testing
for
,
mon
itor
ing,
c
leaning
or
organization
because
of
a
known
or
su
spected

up,
re
mo
v
ing
,
encapsulating,
contain
ing,
defec
t,
de
fic
iency
,
inadequacy
or
dan
gerou
s

treating,
deto
x
i
fy
ing
or
neutral
iz
ing
or
in
any
condit
ion in
i
t.

way
r
e
sponding
to
or
ass
es
sing
the
ef
fe
cts
of
an "asbesto
s hazard".
o.

Personal And
Advertisin
g
In
jury
Damage
To
Premises
Rente
d
T
o
Y
ou
–
Excep
ti
on

"Bodi
ly
in
jury"
ar
ising
out
o
f
"personal
and

For Damage
By F
ire,
Li
ght
ni
n
g
Or Exp
los
io
n
ad
vert
ising
injury
".

Ex
clusions
c.
through
h.
and
j.
through
n.
do
not
apply

p.

Electron
ic Data
to
damage
by
f
ire,
l
ightning
or
exp
losion
to
prem
ises

Damages
arising
out
of
the
loss
of,
loss
of
use
of,
while rented to you or te
mporar
il
y occupied by you with

damage
to,
cor
ruption
o
f
,
inabi
li
ty
to
ac
cess,
or

perm
ission
of
the
owner.

A
separate
li
m
it
o
f
insurance
inabi
li
ty
to
man
ipula
te elec
tronic
data.

applies
to
th
is
co
verage
as
described
in
Sect
ion
I
II
–
As
u
sed
in
this
exc
lusion,
electron
ic
data
means
Li
m
its O
f
Insurance.
in
for
ma
tion,
f
acts
or
programs
stored
as
or
on,

COVERAGE
B

PERSONAL
AND

ADVERTIS
I
NG
created
or
used
on,
or
transmit
ted
to
or
fro
m

INJURY L
IABILI
T
Y
computer
sof
tware,
including
systems
and

1. Insur
in
g Agreement
applicat
ions
software,
hard
or
f
loppy
d
isks,
CD-
ROMS,
tapes,
dri
v
es,
cel
ls,
data
processing

a.

W
e
wil
l
pay
those
sums
that
the
insured
becomes
de
v
ices
or
any
other
media
which
are
u
se
d
with
legal
ly
obl
igated
to
pay
a
s
d
amages
beca
us
e
of
electron
ical
ly
contro
lled equ
ip
ment.
"personal
and
adver
tising
in
jury"
to
which
this
insurance
ap
plies.

We
wil
l
ha
ve
the
right
and
duty
q.

Empl
oyment-Relate
d Practices
to
de
fend
the
insured
against
any
"suit"
seeking
"Bodi
ly
injur
y"
to:
those
damages.

Ho
wever,
we
will
ha
ve
no
duty
to
(1)
A
person
arising
out
o
f
any
"e
mploy
m
ent–
defend
the
insured
against
any
"s
uit"
seeking
related pract
ices"; or
damages
for
"personal
and
advert
ising
in
jury"
to
which
this
insur
ance
do
es
not
ap
ply.

W
e
may,
at
(2)
The
spou
se,
chi
ld,
parent,
brother
or
sister
o
f
our
discretion,
in
v
estigate
any
o
f
fense
and
settle
that
person
a
s
a
con
sequence
of
"bodily
injury
"
any cla
i
m or
"suit"
that
may
result.

But:

to
that
person
at
whom
any
"e
mploy
men
t-
related pract
ices" are d
irected.
(1)
The
a
mount
we
will
pay
for
da
mages
is
l
i
m
ited
as
de
scribed
in
Sect
ion
I
II
–
L
i
m
its
O
f
This e
xc
lusion applies:

Insurance; and
(1)
W
he
ther
the
insured
may
be
l
iable
as
an
(2)
Our
right
and
duty
to
de
fend
end
when
we
have
emp
loyer or
in any
other capac
ity
; and
used
up
the
applicable
l
i
m
i
t
o
f
insurance
in
the
(2)
To
any
obligat
ion
to
share
damages
with
or
payment
o
f
judgments
or
sett
le
ments
under
repay
someone
else
who
must
pay
da
mages
Co
verages
A
or
B
or
medical
e
xpenses
under
becaus
e of
the
injur
y.

Co
verage
C.
r.

Asbestos
No
other
obligation
or
liabi
l
it
y
to
pay
sums
or

(1)
"Bodi
ly
in
jury"
or
"property
da
mage"
arising
out
perfor
m
acts
or
ser
v
ices
is
co
v
ered
unless
expl
ic
it
ly
of
the "asbestos hazard".
pro
v
ided
for
under
Supple
mentary
Pay
ments
–
Co
verages
A
and
B.
(2)
Any
damages,
judg
ments,
settle
men
ts,
loss,
costs or expense
s that:
b.

This
insurance
applies
to
"personal
and
adver
t
ising
injury
"
caused
by
an
of
fense
arising
out
o
f
your
(a)
May
be
awarded
or
incurred
by
reason
of
busine
ss
b
ut
only
i
f
the
o
f
fense
wa
s
com
m
it
ted
in
any
clai
m
or
suit
al
leging
actual
or
the "co
v
erage terr
itor
y" dur
ing the po
li
cy per
iod.
threatened injury or damage o
f any nature or

HG 00 01 06 05

of 18

2. Exclusi
ons
(2)
Slogan,
unless
the
slogan
is
also
a
trademark,
trade
name,
ser
vi
ce
mark
or
other
designation
This insurance does not apply to
:
of
orig
in or
authenti
ci
ty;
or
a.

Kno
wi
ng
Vi
olat
io
n
Of R
ig
hts
Of Anot
her
(3)
Ti
tle
o
f any
l
i
terary or ar
t
istic
work.
"Personal
and
adver
tising
in
jury"
ar
ising
out
of
an
j.

Insure
ds
In
Media
And
Internet
T
ype
of
f
ense
com
m
it
ted
by,
at
the
direc
tion
or
with
the
Businesses
consent
or
acquiescence
of
the
insured
with
the
expecta
tion
o
f
in
f
lic
t
ing
"personal
and
adver
t
ising
"Personal
and
adver
tising
injury
"
co
m
m
it
ted
by
an
in
jury
".
insured wh
os
e busine
s
s is:
b.

Material P
ub
lis
hed Wi
th
Kn
ow
led
ge O
f Fa
lsity
(1)
Ad
ver
tising,
broadcasting,
publ
ishing
or
telecasting;
"Personal
and
adver
tising
in
jury"
ar
ising
out
of
oral,
(2)
Designing
or
determ
in
ing
content
o
f
web
sites
written
or
e
lectroni
c
publ
icat
ion
o
f
mater
ia
l,
i
f
done
by
or
at
the
direction
o
f
the
insured
with
kno
wledge

for
others; or
of
i
ts
falsi
ty.

(3)
An
Internet
search,
acce
s
s,
content
or
serv
ice
c.

Material P
ub
lis
hed
Prior
T
o P
ol
icy Peri
od
pro
v
ider.
"Personal
and
adver
tising
in
jury"
ar
ising
out
of
oral,
How
e
ver,
this
exc
lusion
does
not
apply
to
Paragraphs

17.a.,
b.
and
c.
o
f
"personal
and
written
or
electron
ic
publ
icat
ion
o
f
mater
ia
l
who
se

f
irst
publ
icat
ion
took
p
lace
be
fore
the
beginning
o
f
ad
vert
ising
injury
" under the De
f
in
it
ions Sect
ion.
the pol
icy per
iod.

For
the
purposes
of
this
e
xc
lusion,
p
lacing
an
d.

Criminal
Acts
"ad
vert
isemen
t" for
or
l
ink
ing
to
others
on
your
w
eb

site,
by
i
tsel
f,
is
not
considered
the
busines
s
of
"Personal
and
ad
vert
ising
injury"
arising
out
o
f
a
ad
vert
ising, broadcasting,
publ
ishing or te
lecasting.
cri
m
inal
act
co
m
m
i
tted
by
or
at
the
d
irect
ion
o
f
the
k.

Electron
ic Chatr
ooms
Or B
ul
leti
n Boar
ds
insured.
e.

Contractua
l
Liab
il
ity
"Personal
and
adver
tising
in
jury"
ar
ising
out
of
an
electron
ic
chatroo
m
or
bul
let
in
board
the
insured

"Personal
and
ad
vert
ising
injur
y"
f
or
which
the
host
s,
ow
ns,
or
over
which
the
insured
exerc
ises

insured
ha
s
a
ss
umed
l
iabi
l
ity
in
a
con
tract
or
control.
agreement.

This e
xclusion does not apply to l
iabi
l
ity
l.

Unaut
horize
d
Use
Of
Another's
Name
Or
for
da
mages
that
the
insured
w
ould
ha
ve
in
the
Prod
uct
abse
nce of
the contrac
t or
agreemen
t.
f.

Breach Of C
ontract
"Personal
and
ad
vert
ising
in
jury"
arising
out
o
f
the
unauthorized
us
e
of
another's
name
or
prod
uct
in
"
P
e
r
so
n
a
l
a
nd
a
d
v
e
r
t
i
s
i
n
g
i
n
j
u
r
y
"
a
r
i
s
i
n
g
o
u
t
o
f
a
your
e-
mai
l
address,
domain
na
me
or
meta
tags,
or
b
r
e
a
c
h
o
f
c
o
n
t
r
a
c
t
,
e
x
c
e
p
t
a
n
i
m
p
l
i
e
d
c
o
n
t
r
a
c
t
t
o
us
e
any
other
sim
i
lar
tact
ics
to
m
islead
another's

a
n
o
t
h
e
r's
"
a
d
v
e
r
t
i
s
i
n
g
i
d
e
a
"
i
n
y
o
u
r
"
a
d
v
e
r
t
i
s
e
m
e
n
t
"
.
potential
custo
mers.
g.

Qual
ity
Or
Performance
Of
G
oo
ds
–
Fail
ure
To
m.

Pol
lut
io
n
Conf
orm
T
o
Statements
"Personal
and
ad
vert
ising
in
jury"
arising
out
o
f
the
"Personal
and
ad
vert
ising
in
jury"
arising
out
o
f
the
actual,
a
lleged
or
threatened
discharge,
disper
sal,
fa
i
lure
o
f
goods,
products
or
serv
ices
to
con
for
m
seep
age,
m
igrat
ion,
release
or
escape
of
with
any
statement
o
f
qual
ity
or
per
for
mance
made
"pollu
tants" at any
t
i
me.
in your
"ad
ver
t
isement"
.
n.

Pol
lut
io
n-Related
h.

Wrong
Descripti
on
O
f Prices
Any loss, cost or e
xpense arising out o
f
any:
"Personal
and
ad
vert
ising
in
jury"
arising
out
o
f
the
(1)
Reque
st,
demand,
order
or
statutory
or
wrong
de
scription
o
f
the
pr
ice
o
f
goods,
products
or
serv
ices.
regulatory
require
men
t
that
any
insured
or
others
test
for,
m
oni
tor,
c
lean
up,
re
mo
v
e
,
i.

Infri
ngeme
nt
Of
Inte
llectua
l Pr
operty R
ig
hts
contain,
treat
,
deto
xi
f
y
or
neutral
ize,
or
in
any
"Personal
and
adver
tising
in
jury"
ar
ising
out
of
any
way
res
pond
to,
or
asse
s
s
the
ef
f
ects
o
f
,
v
i
ola
tion
o
f
any
inte
l
lectual
property
r
ights
such
as

"pollu
tants"; or
copyright,
patent
,
trade
mark,
trade
name
,
trade
(2)
Clai
m
or
suit
by
or
on
behal
f
o
f
a
go
v
ern
menta
l
secret,
ser
vi
ce
mark
or
other
designation
o
f
or
igin
authority
f
or
da
mages
becau
se
of
testing
for
,
or authentic
it
y.
mon
itor
ing,
c
leaning
up,
re
mo
v
ing,
conta
in
ing,
How
e
ver,
this
exc
lusion
does
not
apply
to
treating,
deto
x
i
f
y
ing
or
neutrali
zing,
or
in
any
in
fr
inge
ment,
in
your "ad
v
ert
isemen
t",
o
f:

way
re
sponding
to,
or
asse
s
sing
the
e
f
fects
o
f
,
(1)
Copyright;

"pollu
tants".

of 18
HG 00 01 06 05

o.

War
(2)
The
spou
se,
chi
ld,
parent,
brother
or
sister
o
f
that
person
as
a
conseq
uence
of
"personal
and
"Personal
and
advert
ising
in
jury"
,
however
caused,
ad
vert
ising
in
jury"
to
that
person
at
wh
om
any
arising, d
irect
ly
or
indirec
tl
y, ou
t o
f
:
"emp
loy
ment-
related prac
t
ices" are direc
ted.
(1)
W
a
r,
inc
luding undec
lared or c
i
v
i
l
war;
This e
xc
lusion applies:
(2)
W
a
rl
ike
act
ion
by
a
mi
l
itary
f
orce,
inc
luding
(1)
W
he
ther
the
insured
may
be
l
iable
as
an
action
in
hindering
or
defend
ing
against
an
emp
loyer or
in any
other capac
ity
; and
actual
or
expec
ted
attack,
by
any
go
vern
ment
,
(2)
To
any
obligat
ion
to
share
damages
with
or
sovere
ign
or
other
author
it
y
using
m
il
i
tary
person
nel or other agents; or
repay
someone
else
who
must
pay
da
mages
becaus
e of
the
injur
y.
(3)
I
n
s
u
r
re
c
t
i
o
n
,
r
e
be
l
l
i
o
n
,
r
e
v
o
l
u
t
i
o
n
,
us
u
r
pe
d
p
owe
r
,
v.

Asbestos
o
r
a
c
t
i
o
n
t
a
k
e
n
b
y
go
v
e
r
n
m
e
n
t
a
l
a
u
t
h
o
r
i
t
y
i
n
h
i
n
d
e
r
i
n
g
o
r
d
e
f
e
n
d
i
n
g
ag
a
i
ns
t
a
n
y
o
f
t
h
e
s
e
.
(1)
"Personal
and
ad
vert
ising
in
jury"
arising
out
o
f
p.

Internet
Advertisements And Co
nten
t
Of
Others
the "asbesto
s hazard".
(2)
Any
damages,
judg
ments,
settle
men
ts,
loss,
"Personal and ad
vert
ising
injur
y" ar
ising out o
f
:
costs or expense
s that:
(1)
An "ad
ver
t
isement"
for o
thers on your web site;
(a)
May
be
awarded
or
incurred
by
reason
of
(2)
Plac
ing
a
link
to
a
web
site
of
others
on
your
any
clai
m
or
suit
al
leging
actual
or
web
site;
threatened injury or damage o
f any nature or

(3)
Content,
inc
luding
in
for
ma
tion,
sounds,
text
,
kind
to
person
s
or
property
which
would
not

graphics,
or
i
mages
fro
m
a
web
site
of
others
ha
ve
occurred
in
w
hole
or
in
part
but
for
the
displayed
within
a
fra
me
or
border
on
your
web
"asbe
sto
s hazard";
site; or
(b)
Arise
out
of
any
request,
demand,
order
or

(4)
Computer
code,
software
or
pro
gram
m
ing
used
statutory
or
regulatory
require
ment
that
any
to enable:
insured
or
others
te
st
for,
mon
itor
,
c
lean
up,
(a)
Your web site; or
remo
v
e
,
encapsulate,
conta
in,
treat,
deto
x
i
fy
or
neutralize
or
in
any
w
ay
re
spond
to
or

(b)
The
prese
ntation
or
func
tiona
li
ty
o
f
an
as
se
s
s
the
ef
fects
of
an
"asbesto
s
hazar
d";
"ad
vert
isemen
t"
or
o
ther
content
on
your
or
web
site.
(c)
Arise
out
o
f
any
c
la
i
m
or
suit
for
damages
q.

Righ
t
Of Pr
ivacy Created By Stat
ute
becaus
e
of
testing
for
,
mon
itor
ing,
c
leaning
"Personal
and
ad
vert
ising
in
jury"
arising
out
o
f
the
up,
re
mo
v
ing
,
encapsulating,
contain
ing,
v
i
ola
tion
o
f
a
person's
right
o
f
pr
i
v
acy
created
by
treating,
deto
x
i
fy
ing
or
neutral
iz
ing
or
in
any
any state or
federal
act
.
way
r
e
sponding
to
or
ass
es
sing
the
ef
fe
cts
How
e
ver,
this
exc
lusion
does
not
apply
to
l
iabi
l
ity
of
an "asbesto
s hazard".
for
da
mages
that
the
insured
w
ould
ha
ve
in
the

COVERAGE C

MEDICAL PAYMEN
T
S
abse
nce of
such state or
federal
act.

1. Insur
in
g Agreement
r.

Vio
lati
on
Of
Anti-
Tr
ust
law
a.

W
e
wil
l
pay
medica
l
e
xpenses
as
de
scribed
below

"Personal
and
ad
vert
ising
injury"
arising
out
o
f
a
for
"bodi
ly
in
jury"
caused by an accident
:
v
i
ola
tion
o
f any
anti-
trust
law.
(1)
On pre
m
ises you o
wn or rent;
s.

Securities
(2)
On ways next to
pre
m
ises you o
wn or rent; or
"Personal
and
ad
vert
ising
in
jury"
arising
out
o
f
the
(3)
Because of your operat
ions;
f
luc
tuation
in
pr
ice
or va
lue
o
f
any
stocks,
bonds
or

other securit
ies.
pro
v
ided that
:
t.

Discriminat
io
n
Or Hum
il
iati
on
(1)
The
acc
ident
takes
place
in
the
"co
v
erage
terri
tory" and dur
ing the po
l
icy per
iod;
"Personal
and
advert
ising
in
jury"
ar
ising
out
of
discri
m
inat
ion
or
hum
i
lia
tion
co
m
m
i
tted
by
or
at
the
(2)
The
expenses
are
incurred
an
d
reported
to
us
direct
ion
o
f
any
"e
xecut
i
v
e
o
f
f
i
cer"
,
direc
tor,
within
three
years
of
the
date
of
the
accident;
stockholder, partner or
me
mber o
f
the
insured.
and
u.

Empl
oyment-Relate
d Practices
(3)
The
in
jured
person
submi
ts
to
exa
m
inat
ion,
a
t
our
expense,
by
physic
ians
of
our
choice
as
"Personal and ad
vert
ising
injur
y"
to:
of
ten as we rea
sonably require.
(1)
A
person
arising
out
o
f
any
"e
mploy
m
ent–
related pract
ices"; or
HG 00 01 06 05

of 18

b.

W
e
wil
l
ma
ke
these
payments
regardless
of
f
aul
t.
e.

Al
l costs ta
xed against the
insured in
the "suit"
.

These
payments
will
not
e
xceed the
appli
cable l
i
m
it
f.

Prejudg
ment
interest
awarded
against
the
insured

of
insurance.

We
wil
l pay
reasonable expenses for:
on
that
part
of
the
judg
ment
we
p
ay.

I
f
we
make
an

(1)
First a
id ad
m
in
istered at the
t
i
me o
f
an acc
ident;

of
f
er to pay the applicable li
m
i
t o
f insurance, w
e
will
not
pay
any
pre
judgment
interest
based
on
that
(2)
Neces
sary
medica
l,
surgica
l,
x-
ray
and
dental
period o
f
ti
m
e a
f
ter
the o
f
fer
.
serv
ices,
inc
luding prosthetic
de
v
i
ces; and
g.

Al
l
interest
on
the
fu
l
l
a
mount
o
f
any
judgment
that
(3)
Neces
sary
ambulance,
hospital,
professional
accrues
after
entry
o
f
the
judg
ment
and
be
fore
we

nursing and funeral
ser
v
ices.
ha
ve
paid,
o
f
fered
to
pay,
or
depo
sited
in
court
the

2. Exclusi
ons
part
o
f
the
judgment
that
is
within
the
appl
icable
W
e
wil
l
not pay e
xpenses for "bod
il
y
injury
":
li
m
i
t o
f
insurance.
a.

Any Insured
These payments wil
l not
reduce the
l
i
m
its o
f
insurance.

To any
insured, excep
t "
v
o
lunteer workers".

2. I
f
we
defend
an
insure
d
again
st
a
"suit"
and
an

inde
mni
tee
o
f
the
insured
is
also
named
as
a
party
to

b.

Hired Perso
n
the
"suit",
we
will
de
fend
that
inde
mni
tee
i
f
a
l
l
o
f
the

To a perso
n hired to do
work for or on be
half o
f any
fo
l
lowing condit
ions are
met:

insured or a tenant o
f
any
insured.
a.

The
"suit"
aga
inst
the
inde
mn
itee
seeks
damages

c.

Inj
ury
On
Normally
Occ
up
ied
Premises
for
which
the
insured
has
as
sumed
the
liab
il
i
ty
o
f
To
a
person
injured
on
that
part
o
f
pre
mises
you

the inde
mni
tee in a contrac
t or agree
ment that
is an
own or rent that the person nor
mal
ly
occupies.
"insured contract";

d.

Workers Compensati
on
And S
imi
lar La
ws
b.

This
insurance
applies
to
such
l
iabi
l
it
y
assumed
by
the insured;
T
o
a
p
e
rs
on
,
w
he
t
h
e
r
o
r
n
o
t
a
n
"e
m
p
l
o
y
e
e
"
o
f
a
n
y
i
n
s
u
r
ed
,
i
f
b
e
n
e
f
i
t
s
f
o
r
t
h
e
"
b
o
d
i
l
y
i
n
j
u
r
y
"
a
r
e
p
a
ya
b
l
e
c.

The
obligat
ion
to
de
fend,
or
the
cost
of
the
defense
o
r
m
u
s
t
b
e
p
r
o
v
i
d
e
d
u
n
d
e
r
a
wo
r
k
e
rs
'
co
m
p
e
ns
a
t
i
o
n
of
,
that
inde
mni
tee,
has
also
been
as
sumed
by
the
o
r
d
i
s
ab
i
l
i
t
y
b
e
n
e
f
i
t
s
l
a
w
o
r
a
s
i
m
i
l
a
r
l
a
w
.
insured in the sa
me "
insured contract";

e.

Athletics Activities
d.

The
allegat
ions
in
the
"suit"
and
the
in
for
m
at
ion
we

know
a
bout
the
"occurrence"
are
such
that
no

To
a
person
injured
while
practic
ing,
instruct
ing
or
conf
l
ict
appears
to
ex
ist
between
the
interests
of
partic
ipat
ing
in
any
physical
e
xerc
ises
or
games,
the insured and the in
terests of
the
indemn
itee
;
sports, or athlet
ic contests.
e.

The
inde
mn
itee
and
the
insured
ask
u
s
to
conduct
f.

Prod
ucts-Com
pleted
O
peratio
ns Hazard
and
control
the
de
fense
of
that
inde
mni
tee
against
Included
within
the
"products-completed
operations
such
"
suit"
and
agree
that
we
ca
n
a
ssign
the
same
hazard".
counsel
to
defend
the
insured
and
the
indemn
itee;
g.

Coverage A Exclusi
ons
and
Ex
cluded under Co
v
erage
A
.
f.

The inde
mn
itee:

SUPPLE
MEN
TARY
PAYMEN
TS
–

COVERAGES
(1)
Agrees in writing
to:

A
AND
B
(a)
Cooperate
with
us
in
the
in
v
estigat
ion,

1. W
e
wil
l pay, with respect to any c
la
i
m we in
vest
igate or

settle
ment or
de
fense of
the "suit
";
settle, or
any "suit
" against an
insured we defend:
(b)
I
m
media
tely
send
us
copie
s
of
any
a.

Al
l e
xpenses
we incur.
demands,
notices,
summonses
or
legal
papers recei
ved
in connect
ion with
the "suit"
;
b.

Up
to
$1,000
for
cost
o
f
bai
l
bonds
required

becaus
e
of
ac
cidents
or
t
ra
f
f
ic law v
io
lat
ions
arising
(c)
Noti
f
y
any
other
insurer
who
se
coverage
is
out
of
the
use
of
any
vehic
le
to
which
the
Bodily
a
va
ilab
le to
the
inde
mni
tee; and
Injury
Liab
il
it
y
Co
v
erage
appl
ies.

W
e
do
not
ha
v
e
(d)
Cooperate
with
us
with
respect
to

to
furn
ish these bond
s.
coordinating
o
ther
appl
icable
insurance

c.

The
cost
of
appeal
bond
s
or
bo
nd
s
to
relea
se

a
va
ilab
le to
the
inde
mni
tee; and
attach
ments,
but
on
ly
fo
r
bond
a
mounts
within
the
(2)
Pro
v
ides us with written authori
zat
ion to:

applicab
le
l
i
m
i
t
o
f
insurance.

W
e
do
not
ha
v
e
to
(a)
Obtain
records
and
other
in
for
mat
ion
related
furn
ish these bond
s.
to the "sui
t";
and
d.

Al
l
reasonable
expens
es
incurred
by
the
ins
ured
at

(b)
Conduct
and
control
the
defense
of
the
our
reque
st
to
a
s
sist
u
s
in
the
in
vestigat
ion
or
inde
mni
tee in
such "suit".
defense
o
f
the
c
lai
m
or
"suit",
includ
ing
actua
l
loss

of
earn
ings
up
to
$500
a
day
becau
se
of
ti
me
o
f
f
So
long
a
s
the
above
condit
ions
are
met,
attorneys'
f
ro
m work.
fees
incurred
by
us
in
the
de
fense
of
that
inde
mn
itee,

of 18
HG 00 01 06 05

neces
sary
litiga
tion
e
xpense
s
incurred
by
u
s
and

How
e
ver,
none
o
f
these
"e
mployees"
or
"
v
olunteer
neces
sary
lit
igat
ion
e
xpenses
incurred
by
the
worker
s" are i
nsureds for:
inde
mni
tee
at
our
reque
st
will
be
paid
as

(1)
"Bodi
ly
in
jury"
or
"personal
and
advert
ising
Supple
mentary
Pay
men
ts.

Notwithstanding
the
in
jury
":

pro
v
isions
of
Paragraph

2.b.(2)
of
Sect
ion
I
–
(a)
To
you,
to
your
partners
or
members
(i
f
you
Co
verage
A
–
Bodi
ly
In
jury
And
Property
Da
mage
are
a
partnership
or
jo
int
v
enture),
to
your
Liabi
li
ty,
such
pay
ments
will
not
be
dee
med
to
be

me
mbers
(
i
f
you
are
a
l
i
m
ited
l
iabi
l
ity
damages for "bodil
y injur
y" and "property damage" and

company)
,
to
a
co-"e
mp
loyee"
while
in
the
will
not reduce
the l
i
m
i
ts of
i
nsurance.
course
of
h
is
or
her
e
mploy
m
ent
or
Our
obligat
ion
to
defend
an
insured'
s
indemnitee
and
perfor
m
ing
dut
ies
related
to
the
conduct
o
f
to
pay
for
a
ttorneys'
fees
and
n
eces
sary
lit
igation

your
busine
s
s,
or
to
your
other
"
volunteer
expenses a
s Supplementary
Pay
ments ends whe
n:
worker
s"
while
perfor
m
ing
duties
related
to
a.

W
e
ha
v
e
used
up
the
applicable
l
i
m
it
o
f
insurance

the conduct o
f
your business;
in the
pay
ment o
f
judgments or sett
le
ments; or

(b)
To the spouse, child,
parent, brother or
sister
b.

The
condi
tions
set
forth
abo
ve
,
or
the
ter
ms
o
f
the
of
that
co-"e
mp
loyee"
or
that
"
v
olunteer
agreement
described
in
Paragraph
f.
abo
ve
,
are
no
worker"
a
s
a
co
ns
eq
uence
of
Paragraph
(1)(a)
abo
ve
;
longer
met
.

SEC
TI
ON
II
– WHO

IS AN INSURED

(c)
For
which
there
is
any
obl
igat
ion
to
share
damages
with
or
repay
someone
else
who

1. I
f you
are designated in
the Declara
tions as:
must
pay
damages
becau
se
of
the
injury
a.

An
ind
i
v
idua
l,
you
and
your
spouse
are
insured
s,

described
in
Paragraph
s
(1)(a)
or
(b)
abo
ve;
but
only
with
respect
to
the
conduct
o
f
a
busines
s

or
of
which you are the
sole owner.
(d)
Arising out o
f his or her prov
id
ing or fa
i
ling to
b.

A
partnership
or
join
t
v
enture,
you
are
an
insured.
pro
v
ide pro
fessional health
care ser
v
ices.

Your
me
mbers,
your
partners,
and
their
spouse
s

I
f
you
are
not
in
the
busines
s
of
pro
v
iding
are
also
insured
s,
but
only
with
re
spect
to
the

professional health care ser
v
ices, Paragraph
(d)
conduct o
f your
busines
s.
does
not
apply
to
any
nurse,
emergency
c.

A
l
i
m
i
ted
l
iab
il
it
y
co
mpany,
you
are
an
insured.
med
ical
techn
ician
or
para
medic
e
mp
loyed
by
Your
me
mbers
are
also
insureds,
but
only
with
you to pro
v
ide
such serv
ices.
respect
to
the
conduct
o
f
your
busines
s.

Your
(2)
"Property da
mage"
to property
:
managers
are
insured
s,
but
only
with
respect
to
(a)
Owned, occupied or used by,
their dut
ies as your
managers.
d.

An
organization
other
than
a
partnership,
joint
(b)
Rented
to,
in
the
care,
custody
or
control
of,
v
enture
or
li
m
i
ted
liab
il
i
ty
co
mpany
,
you
are
an
or
o
ver
which
physical
contro
l
is
being
insured.