國泰財產(chǎn)保險有限責(zé)任公司商業(yè)綜合責(zé)任保險B事故發(fā)生制

C00013330912023050982123項下可視為記名被保險人的其他個人或機(jī)構(gòu)；而“本公司”指保險單上所載的保險公司。其他引號內(nèi)的用語同樣具有特定的含義。請參照本保險條款第第一章承保范圍（一)被保險人因本保險合同承保的“人身傷害”或“財產(chǎn)損害時，本公司依本保險合同的規(guī)定支付損害賠償金。本公司有權(quán)利和義務(wù)就提出該損的“訴訟”為被保險人進(jìn)行辯護(hù)，但對非本保險合同承保的“人身傷害”或“財產(chǎn)損害”所導(dǎo)致的索賠或“訴訟”進(jìn)行和解。但是，本條款以下列條件2.當(dāng)本公司所支付的審判金額或和解金額達(dá)到【承保范圍】第一節(jié)、第除非【承保范圍】第四節(jié)【針對承保范圍第一節(jié)與的雇員)知道“人身傷害”或“財產(chǎn)損害”已經(jīng)全部或部分發(fā)生。如果此等被保險人或損害在保險期間內(nèi)或之后的任何延續(xù)、改變或再繼續(xù)將被視為在保險期間開始日前已經(jīng)負(fù)責(zé)發(fā)出或接受“承保事件”通知或索賠通知的雇員)并不知道2.接受了因“人身傷害”或“財產(chǎn)損害”造成損害的書面或口頭賠償需求本保險對下列事項不負(fù)賠償責(zé)任:適用于被保險人因采取合理措施保護(hù)人身或財產(chǎn)時所導(dǎo)致的“人身傷害”。1.即使無該合同或協(xié)議的存在，亦應(yīng)由被保險人負(fù)賠償責(zé)任的；或任，由第三者（非被保險人)或因第三者而發(fā)生的合理的、必要的，且滿足下列條件的律(a)被保險人在該“可保合同”項下亦有(b)該律師費(fèi)及訴訟費(fèi)是為該第三者在民被保險人因下列情形而應(yīng)承擔(dān)賠償責(zé)任的“人身傷害”或“財產(chǎn)損害”：3.違反有關(guān)銷售、贈送、分銷或飲用酒本責(zé)任免除條款僅在記名被保險人從事酒精飲品的生產(chǎn)、分銷、銷售、供應(yīng)或配備的被保險人依勞工補(bǔ)償、殘障福利、失業(yè)救濟(jì)的相關(guān)法律或其他類似的法律應(yīng)負(fù)的賠償2.被保險人的“雇員”的配偶、子女、父母、兄弟或姐妹因本責(zé)任免(2)被保險人有義務(wù)分擔(dān)他人或償還他人因上述“人1.下列情形中，因?qū)嶋H發(fā)生的、被指稱的或可能即將發(fā)生的排放、傳播、滲漏、遷移、釋放或泄漏“污染物”而引起的“人身傷害”或“財產(chǎn)損害”：(a)在建筑物內(nèi)遭受的“人身傷害”且該備或該建筑物的占有人或其客人個人使用的熱水設(shè)備所釋放的煙塵、濃煙、水汽或煙(b)記名被保險人是該場所的承包商，而人在該場所為其進(jìn)行的工作而被列為該保險單的附加被保險人，且除該附加被保險人(c)因“敵意之火”產(chǎn)生的高溫、煙塵或(2)在或從任何被保險人或他人現(xiàn)在或過去用于或為或處理廢棄物的任何場所內(nèi)發(fā)生;(4)任何因被保險人及其他直接或間接代表被保險人將“污染物”帶入執(zhí)行公務(wù)的房屋、地點(diǎn)或場所而來而造成的“人身傷害”或“財產(chǎn)損害”。但是，如果“人身傷害”或“財產(chǎn)損害”被保險人或代表記名被保險人的承包商或分包商在該場所內(nèi)進(jìn)行工作時帶入的物料所(c)因“敵意之火”引起的高溫、煙塵(5)被保險人及其他直接或間接代表被保險人的承包測試、監(jiān)控、清理、移除、控制、處理、解毒、中和或影響評估等相關(guān)工作的場所內(nèi)發(fā)生2.因下列情形引起的任何損失、費(fèi)用或開支:(1)因請求、要求、命令或根據(jù)法律或規(guī)章的要求應(yīng)染物”進(jìn)行測試、監(jiān)測、清理、搬移、儲存、處理、除毒或中和，或以任何方式對“污染(2)因?qū)Α拔廴疚铩边M(jìn)行測試、監(jiān)控、清理、移除、評估“污染物”影響的活動所產(chǎn)生的損害，而遭到政府及其代表機(jī)構(gòu)的索賠或被提起“訴但是，如果被保險人在無上述請求、要求、命令或根據(jù)法令或規(guī)章要求或由政府機(jī)構(gòu)或其代表機(jī)構(gòu)提出索賠或訴訟的情況下仍應(yīng)對上述“財產(chǎn)損害”負(fù)賠償責(zé)任時，則本責(zé)任借或借用，那么即使對被保險人所提出的索賠中聲稱該被保險人在對他人進(jìn)行監(jiān)督、租(5)因下列情形造成的“人身傷害”或“財產(chǎn)損害”(a)操作附加于或作為陸上運(yùn)輸工具組成符合“機(jī)動設(shè)備”的定義，并且它不需遵守其執(zhí)照發(fā)放地或主要停放地所在的州1.因任何被保險人所擁有、操作、租借或借用的“汽車”運(yùn)送“機(jī)動設(shè)備”；2.在進(jìn)行任何預(yù)先安排好的賽車活動、加速活動、撞車比賽或特技表演時所使用的“機(jī)動設(shè)備”。因下列原因直接或間接引起的“人身傷害”或“財產(chǎn)(2)武裝部隊的類似戰(zhàn)爭行為，包括任何政府、主權(quán)或其它武裝力量所從事的阻擊或防御真實的或預(yù)想的攻擊的行為；或1.記名被保險人所有、租用或占用的財產(chǎn)，包括記名被保險人或其他個人、組織或?qū)嶓w為修理、更換、改進(jìn)、恢復(fù)或維護(hù)該財產(chǎn)所產(chǎn)生的成本或費(fèi)用，以及為了預(yù)防造成他人的人身傷害或財產(chǎn)損失所發(fā)生的成本或費(fèi)用。2.記名被保險人出售、出讓或廢棄的房產(chǎn)（如果“財產(chǎn)損害”是由該房產(chǎn)的任何部5.因記名被保險人及其任何直接或間接代表記名被保險人工作的承包商或分包商在6.由于“記名被保險人的工作”對任何財產(chǎn)的特定部及其場所內(nèi)物品的“財產(chǎn)損失”(火災(zāi)損失如果上述場所屬于“記名被保險人的工作”且從未被記名被保險人占用、租借或出本責(zé)任免除條款第3、4、5、6項不適用于鐵路支線協(xié)議下應(yīng)承擔(dān)的賠償責(zé)本責(zé)任免除條款第6項不適用于本保險合同“產(chǎn)品及完工操作風(fēng)險”定義中所包含的“財產(chǎn)損害”。因“記名被保險人的產(chǎn)品”及其組成部分造成的“記名被保險人的產(chǎn)品”本身的“財因“記名被保險人的工作”及其組成部分造成“記名被保險人的工作”本身的屬于“產(chǎn)品及完工操作風(fēng)險”范疇的“財產(chǎn)損害”。如果被損害的工作或造成相關(guān)損失的工作是由分包商代表記名被保險人進(jìn)行的，則本因下列情形導(dǎo)致的“受損毀財產(chǎn)”或未遭受物質(zhì)損害財產(chǎn)的“財產(chǎn)損害”：2.記名被保險人或任何記名被保險人的代表延遲或未按合同規(guī)定履行合同義務(wù)。但是如果“記名被保險人的產(chǎn)品”或“記名被保險人的工作”投入其預(yù)期使用后受到突發(fā)的、偶然的物質(zhì)損害而導(dǎo)致其他財產(chǎn)不能使用，則本責(zé)任免除條置、調(diào)整、拆除或處理該產(chǎn)品、工作或財產(chǎn)而就發(fā)生的損失、費(fèi)用或開支所提出的損害賠本責(zé)任免除條款下的電子數(shù)據(jù)是指由計算機(jī)軟件（包括系統(tǒng)軟件和應(yīng)用軟件)、硬盤或軟盤、光盤驅(qū)動器、磁帶、驅(qū)動器、存儲單元、數(shù)據(jù)處理設(shè)備或其它任何具有電子控制責(zé)任免除條款第（三)至第（十四)項不適用于因火災(zāi)而對記名被保險人所租借的或經(jīng)業(yè)主許可臨時占用的場所所造成的損失。根據(jù)本保險合同第三章【保險賠償限額】的規(guī)本公司依本保險合同的規(guī)定支付損害賠償金。本公司有權(quán)利和義務(wù)就提出該損害賠2.當(dāng)所支付的裁判金額或和解金額已達(dá)到本保險合同承保范圍第一節(jié)、除非在本保險合同【承保范圍】第四節(jié)中有明確規(guī)定他人作出該行為所導(dǎo)致的“個人權(quán)利及廣告侵害”；保險期間開始前，以口頭或書面形式首次發(fā)布的資料所引起的“個人權(quán)利及廣告侵被保險人實施的或在被保險人指示下實施的犯罪行為所引起的“個人權(quán)利及廣告侵保險人在無該合同或協(xié)議的情況下仍應(yīng)對上述侵害負(fù)賠償責(zé)任時，則不適用本責(zé)任免除條被保險人的商品、產(chǎn)品或服務(wù)沒有達(dá)到“廣告”中所聲明的品質(zhì)或性能而引起的“個人權(quán)利及廣告侵害”；因記名被保險人的“廣告”中對商品、產(chǎn)品或服務(wù)的價格的進(jìn)行了錯誤描述而引起的“個人權(quán)利及廣告侵害”；因侵犯他人的版權(quán)、專利、商標(biāo)、商業(yè)秘密或其他知識產(chǎn)權(quán)而引起的“個人權(quán)利及廣觀或廣告用語的侵權(quán)行為。從事下列行業(yè)的被保險人所實施的“個人權(quán)利及廣告侵害”：但是，本責(zé)任免除條款不適用本保險合同【定義】第十四條“個人權(quán)利及廣告侵害”在本責(zé)任免除條款中，非從事上述行業(yè)的被保險人為自己或他人在互聯(lián)網(wǎng)上設(shè)置網(wǎng)頁框架、邊框或鏈，或放置廣告的行為均不被視為從事商業(yè)廣告、廣播、出版和電視廣播行因被保險人主持、所有或者實際控制的電子聊天室或者電子布告板所導(dǎo)致的“個人權(quán)利侵害和廣告侵害”。類似手段對他人的潛在客戶進(jìn)行誤導(dǎo)所造成的“個人權(quán)利侵害和廣告侵害”。因?qū)嶋H發(fā)生的、被指稱的或可能即將發(fā)生的在任何時候排放、傳播、滲漏、擴(kuò)散、釋放或泄漏“污染物”而引起的“個人權(quán)利及廣告侵害”。(1)因請求、要求、命令或根據(jù)法律或規(guī)章的要求應(yīng)染物”進(jìn)行測試、監(jiān)測、清理、搬移、儲存、處理、除毒或中和，或以任何方式對“污染(2)政府及其代表機(jī)構(gòu)因“污染物”的測試、監(jiān)毒、中和或任何評估“污染物”影響的活動所產(chǎn)生的損害而提出的索賠或被提起“訴(2)武裝部隊的類似戰(zhàn)爭行為，包括任何政府、主權(quán)國或其它武裝力量所從事的阻擊或防御真實的或預(yù)想的攻擊的行為；或用。但前述費(fèi)用不應(yīng)超過本保險合同項下適用的保險賠償限額。且本公司將支付本公司對下列各方或各項“人身傷害”不負(fù)責(zé)賠償：任何被保險人，但不包括“義務(wù)工作人員”；受雇于任何被保險人并為其工作或代表其工作的人，或任何被保險人的承租人;正常占用記名被保險人所擁有或租借場所的部分區(qū)域并在該區(qū)域內(nèi)受傷的人;論傷者是否是任何被保險人的“雇員”；在練習(xí)、指導(dǎo)或參與進(jìn)行任何體育鍛煉或比賽，運(yùn)動，或體育競賽“產(chǎn)品及完工操作風(fēng)險”中所包含的“人身傷害”；一、本公司將為由本公司所調(diào)查或和解的任何針對被保險人的索賠，1.根據(jù)“可保合同”的規(guī)定，被保險人應(yīng)3.被保險人在同一“可保合同”有義務(wù)為受償者進(jìn)行辯護(hù)，或有義務(wù)4.從該“訴訟”的主張和本公司所獲知的關(guān)于該“事件”的信息看，被保險人與當(dāng)上述條件得到滿足，本公司將以補(bǔ)充支付的形式生的律師費(fèi)、必要的訴訟費(fèi)及受償者在本公司要求下發(fā)生的必要的訴訟費(fèi)。同條款第一章【承保范圍】第一節(jié)“人身傷害”及“財產(chǎn)損害”的責(zé)任的“責(zé)當(dāng)判決金、裁決金、調(diào)解金或和解金已達(dá)到本保保險人的受償者進(jìn)行辯護(hù)及以補(bǔ)充支付的形式支付律師費(fèi)及必要的訴訟費(fèi)的義務(wù)即終第二章被保險人資格2.合伙企業(yè)或合營企業(yè)，則記名被保險人為被保險人，記名被保險人的股東及其配偶亦為被保險人，但僅限于其與記名被保險人的經(jīng)營有關(guān)的人，但僅限于其與記名被保險人的經(jīng)營有關(guān)的行為；記名被保險人的經(jīng)理人亦為4.除合伙企業(yè)、合營企業(yè)或有限責(zé)任公司以外的機(jī)構(gòu)組織，則記名被保險人為經(jīng)營的業(yè)務(wù)有關(guān)的職責(zé)時。記名被保險人的“雇員”亦為被保險人，但不包括記名被保險任公司)或記名被保險人的經(jīng)理人（如果記名被保險人是有限責(zé)任公司)，且僅限于其進(jìn)行是，在下列情形中任何“雇員”或“義務(wù)工作人員”(1)該“雇員”或“義務(wù)工作人員”對下被保險人是合伙企業(yè)或合營企業(yè))c)記名被保險人的股東（如果記名被保險人是有限責(zé)任公司)d)在受雇期間或履行與記名被保險人的經(jīng)營有關(guān)的職責(zé)時的其他“雇他雇員或其他“義務(wù)工作人員”的配偶、子女、父母、兄弟姐妹造成“人身傷害”或“個人權(quán)利及廣告侵害”；或(4)因該“雇員”或“義務(wù)工作人員”提“人身傷害”或“個人權(quán)利及廣告侵害”。2.關(guān)于“財產(chǎn)損害”：名被保險人的股東（如果記名被保險人是有限責(zé)任公司)所擁有的、占用的或使用的財產(chǎn)發(fā)生“財產(chǎn)損害”；記名被保險人的股東（如果記名被保險人是有限責(zé)任公司)租借的、照料的、監(jiān)管的、控制的或出于任何目的實際掌控的財產(chǎn)發(fā)生“財產(chǎn)于其作為法定遺產(chǎn)代理人的職責(zé)。該法定遺產(chǎn)代理人在本保險合同項下將享有記三、除合伙企業(yè)、合營企業(yè)或有限責(zé)任公司以外的任何記名被保險人新收購或1.本條款所提供的保障僅限自記名被保險2.本保險合同【承保范圍】第一條的規(guī)定不適用于在記名被保險人收購3.本保險合同【承保范圍】第二條的規(guī)定不適用于在記名被保險人收任何與現(xiàn)在或過去的合伙企業(yè)、合營企業(yè)或有限責(zé)任公司的經(jīng)營有關(guān)的個人或機(jī)不能視為被保險人，除非該合伙企業(yè)、合營企業(yè)或有限責(zé)任公司在保險第三章保險賠償限額人或機(jī)構(gòu)的數(shù)目多少，本公司的最高賠償金額以保險單所載保險賠償限額及下列二、本保險合同的一般累計賠償限額為本公司對下列各項之和支付的最高三、產(chǎn)品及完工操作累計賠償限額為本公司根據(jù)【承保范圍】第一條的規(guī)定對及完工操作風(fēng)險”中包含的“人身傷害”或“財產(chǎn)損害”所導(dǎo)致的損害賠償而支付的【承保范圍】第二條的規(guī)定對任何個人或組織因遭受“個人權(quán)利或廣告侵害”所導(dǎo)致的損公司對于因任何同一“事件”引起的所有“人身傷害”和“財產(chǎn)損害因火災(zāi)對記名被保險人租借或經(jīng)業(yè)主許可臨時占用的任一場所造成圍】第三條的規(guī)定對任何個人因遭受“人身本保險合同的保險賠償限額分別適用于每一連續(xù)保險年度及任何不足十二個月保險期間（自保險單所載保險期間開始之日起)。若在本保險合同的保險期間后不超過十二個月的附加保險期間，則附加保險期間與前一保險期間在確定本保險合同第四章商業(yè)綜合責(zé)任總則本公司在本保險合同承保范圍內(nèi)所應(yīng)承擔(dān)的責(zé)任不因被保險人及其資產(chǎn)破產(chǎn)或失1.記名被保險人應(yīng)盡快以書面形式通知本任，則被保險人應(yīng)當(dāng)協(xié)助本公司行使對前述第三方的各項權(quán)4.未經(jīng)本公司事先同意，記名被保險人不得擅自承諾任何賠付、承擔(dān)任何責(zé)任或任何費(fèi)用（必要的急救費(fèi)用除外)，但記名被保險人原意自行承擔(dān)的不在相關(guān)個人或機(jī)構(gòu)可能根據(jù)和解協(xié)議或被保險人敗訴的終審判決，對本公司提出求賠償；但是對于非本保險合同承保范圍內(nèi)的賠償要求或已超出所適用保險賠償限額償要求，本公司不負(fù)賠償責(zé)任。本公司同意的和解協(xié)議是指由本公司、被保險人、索若被保險人擁有其他有效的且與本保險合同第一章【承保范圍】第一條“人身傷害”及“財產(chǎn)損害”的責(zé)任及第二條“個人權(quán)利及廣告侵害的責(zé)任”有相同保障范圍的保險合船舶】限制范圍內(nèi)的損失。當(dāng)本保險為超額保險，且其他保險人有責(zé)任為被保本公司將無義務(wù)為針對被保險人所產(chǎn)生的屬于本保險合同第一章【承保范圍】第一條身傷害”及“財產(chǎn)損害”的責(zé)任及第二條“個人權(quán)利及廣告侵害的責(zé)任當(dāng)本保險作為其他保險的超額保險時，本公司僅對若存在其他未在前述超額保險條款中提及，且被保險人并非專門為賠償超過本合若所有其他有效保險合同允許按等額進(jìn)行損失分?jǐn)?，則本公司將按此方法進(jìn)行攤。在此方式下，每一保險人等額分擔(dān)賠償金額直至保險合同項下的賠償限額用盡或計期的實際應(yīng)付保險費(fèi)并向投保人（即第一記名被保險人)送交保險費(fèi)通知。保險所顯示的到期日即為經(jīng)審計及應(yīng)追溯保險費(fèi)的到期日。如果預(yù)付保險費(fèi)與已支付的經(jīng)審計3.投保人（即第一記名被保險人)必須保留所有與本公司計算保記名被保險人接受本保險合同的行為即表示同意以下各除有關(guān)保險賠償限額及本保險合同特別注明為第一記如果被保險人有權(quán)就本公司在本保險合同項下已支付的全部或部分損害損害該追償權(quán)的行為，并且應(yīng)根據(jù)本公司的要求提出“訴訟”或協(xié)助本公司行使該權(quán)利。的仲裁機(jī)構(gòu)仲裁；保險合同未載明仲裁機(jī)構(gòu)本保險合同適用中華人民共和國法律（不包括香港、澳門、臺灣地區(qū)法律)。但“汽車”不包括“機(jī)動設(shè)備”。但被保險人對損害賠償責(zé)任的承擔(dān)需由發(fā)生在上述第一段所規(guī)定的區(qū)域內(nèi)的“訴訟”該產(chǎn)品或工作已知或被認(rèn)為是有缺陷的、不完善的場所被火災(zāi)損壞而對任何個人或機(jī)構(gòu)進(jìn)行的賠償?shù)哪遣糠趾贤粚儆凇翱杀：贤?；而引起的對市政?dāng)局的賠償)，根據(jù)該合同或協(xié)議記名被保險人為某一方對第三方的機(jī)構(gòu)的“人身傷害”或“財產(chǎn)損害”承擔(dān)民事侵權(quán)責(zé)任進(jìn)行賠償。民事侵權(quán)責(zé)任是指不存在任何合同或協(xié)議的情況下依照法律規(guī)定仍要承擔(dān)的責(zé)但是上述第(6)項所指的“可保合同”并不包括合同或協(xié)議中的下列各項：基、隧道、地下通道或交叉路口受到影響而造成的“人身傷害”或“財產(chǎn)損害”進(jìn)行的賠(i)對圖件、施工圖、意見、報告、測量說明進(jìn)行準(zhǔn)備、批準(zhǔn)或未能準(zhǔn)備或未批準(zhǔn)；或(ii)對建筑師、工程師或勘測員下達(dá)指等行為是該傷害或損害的首要原因；或“人身傷害”或“財產(chǎn)損害”所應(yīng)承擔(dān)的責(zé)任，該專業(yè)服務(wù)包括上述（b)段中列明的內(nèi)容但“裝卸”不包括使用非附屬于飛機(jī)、船只或汽車的機(jī)械設(shè)備（手推車除外)進(jìn)行的2.專為在記名被保險人擁有或租借的場所或其附近使4.主要為以下各項固定裝置提供移動功能的運(yùn)輸工具（無論該車輛是否為制性的或有關(guān)經(jīng)濟(jì)責(zé)任的法律或其它機(jī)動車輛保險法律的陸上運(yùn)輸工具。此類運(yùn)輸工具應(yīng)3.房屋所有人及其代表、房東或出租人非法將他人逐出其所占有的7.在記名被保險人的“廣告”中侵犯他人的版權(quán)、質(zhì)，包括煙塵、水汽、煙灰、濃煙、酸性物、堿性物、化學(xué)物和廢棄物。廢棄物(b)如果記名被保險人的合同規(guī)定有多處(c)當(dāng)某工作場所中的那部分工作已為任其它方面已完成但仍需保養(yǎng)、維修、修改、修理或替換的工作應(yīng)視為2.“產(chǎn)品及完工操作風(fēng)險”不包括下列原因引起的“人身傷害”或1.對有形財產(chǎn)的物質(zhì)損害，包括由此造成2.未遭受物質(zhì)損害的有形財產(chǎn)的不能使用。該不能使用的損失應(yīng)被視為本定義所涉電子數(shù)據(jù)是指由計算機(jī)軟件（包括系統(tǒng)軟件和應(yīng)用軟件)、硬盤盤驅(qū)動器、磁帶、驅(qū)動器、存儲單元、數(shù)據(jù)處理設(shè)備或其它任何具有電子控制設(shè)1.就上述損害賠償而提起的、被保險人圍內(nèi)根據(jù)記名被保險人的指示進(jìn)行工作和行“記名被保險人的產(chǎn)品”不包括自動售貨機(jī)或出租給他人并設(shè)置在他人的場所供其使CommercialGeneralLiabilityInsuranceB(OccurrVariousprovisionsinthispolicyrestrictcoverage.Readthedeterminerights,dutiesandwhatisandiThroughoutthispolicythewords"you"and"your"referDeclarations,andanyotherpersonororganizationqualifyingasaNamedInsurepolicy.Thewords"weTheword"insured"meansanypersonororganizaOtherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.Refeof"bodilyinjury"or"propertydamage"towhichthisinsuranceatodefendtheinsuredagainstany"suit"ssettleanyclaimor"suf(2)OurrightanddutytodefendendswhenwehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgmentsorsettlementsunderCoveragesAorBormedicalexpeexplicitlyprovidedforunderSupplementaryPayments-CoveragesAandB.b.Thisinsuranceappliesto"bodilyinjury"and"propertydam(1)The"bodilyinjury"or"propertydamage"iscaus(2)The"bodilyinjury"or"propertydam(3)Priortothepolicyperiod,noinsuredlistedunInsuredandno"employee"authorizedbyyoutogiveorr"propertydamage"occurred,thenanycontinuation,changeorresumptioor"propertydamage"duringorafterthepolicyperiodwillbedeemedtohavebeenknownpc."Bodilyinjury"or"propertydamage"whichoccursduringth,knowntohaveoccurredbfSectionII-WhoIsAnInsuredorany"employee"authorizedbyyoutogiveorre"occurrence"orclaim,includesanyco"propertydamage"aftertheendofthepolicyperiod.d."Bodilyinjury"or"propertydamage"willbedeemedattheearliesttimewhenanyinsuredlistedundeany"employee"authorizedbyyoutogiveorreceivenoticeofan"occ(2)Receivesawrittenorverbaldemandorclaimfordamagesbecauseofthe"bodie.Damagesbecauseforcare,lossofservicesordeathresultingatanytimefromthe"bodilyinjury"."Bodilyinjury"or"propertydamaginsured.Thisexclusionbyreasonoftheassumptionofliabilityin(1)Thattheinsuredwouldhaveintheab"bodilyinjury"or"propertydamage"occurssubseqagreement.Solelyfortheinsuredaredeemedtobe(b)Suchattorneyfeesandlitigatic.LiquorLiability(1)CausingorcontributingtotheintoxicationofanundertheinfluenceofalcofThisexclusionappliesonlyiselling,servingorfurnishingalcoholicbunemploymentcompensationlawor(1)An"employee"oftheinsuredarisingouto(a)Employmentbytheins(b)Performingdutiesrelatedtotheconductoftheinsuredf(1)Whethertheinsuredmaybeliableasanemployerorinanyothercapacity;aagesbecauseoftheinjury.discharge,dispersal,seepage,migration,releaseororsootproduceddehumidifythebuilding,orequipmentthatisusedtobuilding'soccupantsor(ii)"Bodilyinjury"or"properareacontractorandtheownerorlesseeofsuchpremises,sitotherthanthatadditionalininsuredorothersforthehandling,storage,disposal,pr(c)Whichareorwereatan(ii)Anypersonororganizationforwhomyoumaybelegallyresponsible;oroperationsifthe"pollutants"arebroughtonortothepremises,siteorlocationinc(i)"Bodilyinjury"or"propertylubricantsorotheroperatingfluidswhichareneededtoperhydraulicormechanicalfunctionsnecessaryforofthefuels,lubricantsorotheropesuchinsured,contractorconnectionwithoperationsbeingperformedbyyouoronyourbehalfbya(e)Atorfromanysubcontractorsworkingdirectlyorindirectlyoorneutralize,orinanywayrespondto,orassesstheeffectsof,"pollutants".(2)Anyloss,costorexpotherstestfor,monitor,cleanup,remorespondto,orasses"byoronbehalfofagovernmentalauftestingfor,monitoring,neutralizing,orinanywayrespondingto,orassessingtheeffectsof,"pollutants".loanedtoanyinsured.Useincludesoperatwrongdoinginthesupervision,hiring,employment,trainingormonitoringofothe(1)Awatercraftwhileashoreon(2)Awatercraftyoudo(b)Notbeingusedtocarrypersonswhereitislicensedorprincipally(b)theoperationofanyofthemachineryorequipmentlistedinParagraofthedefinitionof"mobileequipment"."Bodilyinjury"or"profor,anyprearrangedoutof:(2)Warlikeactionbyamilipersonnelorotheraauthorityinhinderingordefendingagainstaanyotherperson,organizationorentity,partofthosepremises;(4)Personalpropertyinthecare,custodyorcontrolofsubcontractorsworkingdirectly"propertydamage"arisesoutofthoseoperatibecause"yourwork"wasincothandamagebyfire)topremises,incaperiodof7orfewerconsecutivedays.AseparatelimitofinsuranceappliestoDamageToParagraph(2)ofthisexclusiondoesnotapplyifthepremisesare"yourwork"andwereneveroccupied,rentParagraphs(3),(4),(5)and(6)ortheworkoutofwhichthedamagearif"yourwork"afterithasn.RecallOfProducts,fuse,withdrawal,recall,inspection,repair,rifsuchproduct,work,orpo.PersonalAndAdvertisin"Bodilyinjury"arisingoutof"personaDamagesarisingoutofthelossoaccess,orinabilitytomanAsusedinthisexclusion,electronicdatadevicesoranyothertemporarilyoccupiedappliestothiscoverageasdescribedinSectionIII-Limitsa.Wewillpaythosesumsthattheinsuredbe-comeslegallyobligatedtocauseof"personalandadvertisinginjury"towhichthisinsuranceanddutytodefendtheinsuredtowhichthisinsurancedoesnotapply.Wemay,atourdiscretion,anyclaimor"suit"thatmayrf(2)OurrightanddutytodefendendwhenwehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgmentsorsettlementsunderCoveragesAorBormedicalexpensexplicitlyprovidedforunderSupplementaryPayments-CoveragesAandB.b.Thisinsuranceappliesto"personalandadvertisingperiod.a.KnowingViolationOfRightsOfAnotherknowledgethattheactwoub.MaterialPublishedWithKnowledgeOfFalsity"Personalandadvertisinginjury"arisingoutoforalorwrittenpublifdonebyoratthedirectionoftheinsuredwithknowledgeofitsfalsity."Personalandadvertisinginjury"arisingoutoforalorwhosefirstpublicationtookplacebeforethebeginningofthepolicyperiod.directionoftheinsucontractoragreement.Thisexclusiwouldhaveintheabsenceofthecontractoragr"Personalandadvertisinginjury"contracttouseanother'sadvertisingideaitoconformwithanystatementofqualityorperformancemadh.WrongDescriptionrtisinginjury"arisingoutofthewrfgoods,productsorservicesstatedinyour"advertisement"."Personalandadvertisinginjury"arisingouttrademark,tradesecretorotherintellectuj.InsuredsInMediaAndInternet"Personalandadvertisinginjury"committedby(1)Advertising,broadcasting,publishing(2)Designingordeterminingcontentofwebsitesforothers;or(3)AnInternetsearch,access,cadvertisinginjury"undertheDefinitioForthepurposesofthisexclusion,theplacingofframesrsanywhfadvertising,broadcasting,publishink.ElectronicChatroomsOtheinsuredhosts,owns,oroverl.UnauthorizedUseOfAnother'sNameOrProduct"Personalandadvertisinginjury"arisingoutoftheunamisleadanother'spotentialcu"Personalandadvertisinginjury"arisingdischarge,dispersal,seepage,migration,releaseorescapeof"pollutants"atanytime.Anyloss,costorexpeotherstestfor,monitor,cleanup,remorespondto,orasses(2)Claimorsuitbyoronbehalfoftestingfor,monitoring,neutralizing,orinanywayrespondingto,orassessingtheeffectsof,"pollutants".(2)Warlikeactionbyamilitpersonnelorotheraauthorityinhinderingordefendingagainst(2)Onwaysnexttopremisesyouown(3)Becauseofyouroperations;providedthat:(1)Theaccidenttakesplaceinthe"coverageterritory"a(3)Theinjuredpersonsubmitstoexamination,atourexpense,byphysiciansofourchoiceasoftenaswereasonablyrb.Wewillmakethesepaymentsregardlessoffauapplicablelimitofinsurance.Wewillpayreasonableexpe(1)Firstaidadministeredatthetimeofan(2)Necessarymedical,surgical,x-rayanddentalservices,includingprostheticd(3)Necessaryambulance,hospital,professionalnursingandfuneralsea.AnyInsuredToapersonhiredtodc.InjuryOnNormallyOccuinjury"arepayableormustbeprovidede.AthleticsActivitiesf.ProductsCompletedOperationIncludedwithinthe"productscomExcludedunderCoveb.Upto$250forcostofbailbondsrequiredbecauseofaccidentsortrafficlarisingoutoftheuseofanyvehicletowhichtheBodilyInjuryLiabilityCoverageapplies.nothavetofurnishthesebondc.Thecostofbondstoreleaseattachments,butonlyforbondamountswithintheapplicablelimitofinsurance.Wedonothavetofurnishthed.Allreasonableexpensesincurredbytheordefenseoftheclaimor"suit",includingactuallossofearningsupto$250adaybecauseoofffromwork.e.Allcoststaxedagainsttheinsuredif.Prejudgmentinterestawardedagainsttheinsuredonthatpartofthejudgmentwepay.Ifwemakeanoffertopaytheapplicablelimitofinsurance,wewillnotpayanybasedonthatperiodoftimeaftertheoffer.g.Allinterestonthefullamountofanyjudgmentthataccruesafterentryofthejudgmentandbeforewehavepaid,offeredtopay,ordepositedincourtthepartofthejudgmentthatiswithintheapplicablelimitofinsurance.Thesepaymentswillnotreducethelimitsofinsurance.2.Ifwedefendaninsuredagainsta"suit"andanindemniteeoftheinspartytothe"suit",wewilldefendthatindemniteeifallofthefollowingconditionsaremet:liabilityoftheindemniteeinacontractoragreementthatisan"insuredcontract";b.Thisinsuranceappliestosuchliabilityassumedbytheinsurbytheinsuredinthesame"insured.Theallegationsinthe"suithatnoconflictappearstoexistbetweentheinterestsoftheinsurede.Theindemniteeandtheinsuredaskustoconductand(a)Cooperatewithusintheinvestigation,settlementordefenseofth(b)Immediatelysenduscopiesofanydemanreceivedinconnection(c)Notifyanyotherinsurerwhosecoverageisavailabletothei(d)Cooperatewithuswithrespecttheindemnitee;and(2)Providesuswithwrittenauthoriza(a)Obtainrecordsandotherinformationr(b)Conductandcontrolthedefenseoftheindemniteeinsuch"suitSolongastheaboveconditionsaremet,attorneys'feesincurredbyusintindemnitee,necessarylitigationexpensesincurredbyusandnecessarylitigatibytheindemniteeatourrequestwillbepaidprovisionsofParagraph2.b.(2)ofSectionI-CoverageA-BodilyInjuryAndPropertyDamagedamage"andwillnotreducethelimitsofinsurance.Ourobligationtodefendaninsured'sindemniteeandtopayforattorlitigationexpensesasSupplementarya.WehaveuseduptheapplicablelimitSECTIONII–WHOISA1.IfyouaredesignatedintheDa.Anindividual,youandyourspouseareinsureds,butonlywithrespecttotheconbusinessofwhichyouarethesoleowner.b.Apartnershiporjointventure,youareaninsured.Yourmemberspousesarealsoinsureds,butonlywithrespecttotheconductofyourbusiness.withrespecttotheconductofyourbusiness.Yourmanagersareinsureds,butonlywithrespecttotheirdutiesasyourmanagd.Anorganizationotherthanapartnership,jointventureorlimitedliabilityliabilityasstockh2.Eachofthefollowingisalsoaninsa.Your"volunteerwobusiness,oryour"employeesorganizationotherthanapartnership,jomanagers(ifyouarealimitedliabilitycompanemploymentbyyouorwhileperformingdutiesrelatedtotheconductofyourbusiness.However,noneofthese"employees(a)Toyou,toyourpartnersormemberstoyourmembers(ifyouarealimitedliabilbusiness,ortoyourother"volunteerworkers"whileperformingdu-tiesconductofyourbusiness;worker"asaconsequenceofParagraph(1)(a)above;beingexercisedforanypurposebyyou,ananypartnerormember(ifyouareapartnershiporjointventure),ob.Anyperson(otherthanyour"employee"or"volunteerworker"),oranyorganactingasyourrealestatemanac.Anypersonororganizationhavingpropertemporary(1)Withrespecttoliabilityarisingoutofthemaintenanceoruseofthatproperty;and(2)Untilyourlegalrepresentativehasbeenappoind.Yourlegalrepresentativeifyoudie,butonlywithrespecrepresentativewillhaveallyourrightsanddutiesunderthisCoveragePart.3.Anyorganizationyounewlyacquireorform,otlimitedliabilitycompany,andoverwhichyoumaintaasaNamedInsuredifthereisnoothersimilarinsuranceavailabletothatorganizatioa.Coverageunderthisprovisionisaffordedonlyuntilthe90theorganizationortheendofthepolicyperiod,whicheverisearlier;acquiredorformedthecommittedbeforeyouacquiredorformedtheorNopersonororganizationisaninsuredwithrespecttopartnership,jointventureorlimitedliabilitycompanythatisnotshownasaNamedInsuredinthe1.TheLimitsofInsuranceshownintheDeclarationsanpayregardlessofthenumberof:b.Claimsmadeor"suits"broc.Personsororganizationsmakingclaimsorbri2.TheGeneralAggregateLimitisthemostwewillpayforthesumof:a.MedicalexpensesunderCoverab.DamagesunderCoverageA,exceptdamagesbecauseof"bdamage"includedinthe"products-completedoperac.DamagesunderCov3.TheProducts-CompletedOperationsAggregateLimitisthemostwewillCoverageAfordamagesbecauseof"bodilyinjury"and"propertydamage""productscompletedoperationshazard".4.Subjectto2.above,tCoverageBforthesumofalldamagesbecaubyanyonepersonororganization.5.Subjectto2.or3.above,whicheverapayforthesumof:a.DamagesunderCoverageAb.MedicalexpensesunderCoverageCbecauseofall"bodilyinjury"and"propertydam-age"arisingoutofanyone"occurrence".underCoverageAfordamagesbecauseof"propertydamage"toanyonepremises,whilerentedtoyou,orinthecaseofdamagebyfire,whilerentedtpermissionoftheowner.7.Subjectto5.above,theMedicalExpenseLimitisthemostwforallmedicalexpensesbecauseof"bodilyinjury"sustainedbyanyoneperson.TheLimitsofInsuranceofthisCoveragePartapplyseparperiodandtoanyremainingperiodoflessthan12months,startingwiththebeginningofthepolicyperiodshownintheDeclarations,unlessthepolicyperadditionalperiodoflessthan12months.Inthatcase,theadditionalperiodwillbedeemedpartofthelastprecedingperiodforpurposesofdeterminingtheLimitsofInsurance.Bankruptcyorinsolvencyoftheinsuredoroftheinsured'sestatewillnotrelieveusofourobligationsunderthisCoverage2.DutiesInTheEventOfOccurrence,Offewhichmayresultinaclaim.Totheextentpossible,(1)How,whenandwhere(2)Thenamesandaddressesofanyinjuredpersonsandwitnesses;and(3)Thenatureandlocationofanyinjuryordamagearisingoutofthe"occb.Ifaclaimismadeor"suit"isbroughtagainstanyinsured,youm(1)Immediatelyrecordthespecificsoftheclaimor"suit"andthedaterece(2)NotifyusassoonasprYoumustseetoitthatwereceivewrittennot(1)Immediatelysenduscopiesofanydemands,notices,summonsesorlegalpapersreceivedinconnectionwith(2)Authorizeustoobtainrecordsandotherin(4)Assistus,uponourrequest,intheenforcementofanyrightagainstanyporganizationwhichmaybeliabletotheinsuredbecaused.Noinsuredwill,exceptatthatinsured'sowncost,voluntarilymakeaobligation,orincuranyexpense,otherthanforfirstaNopersonororganizationhasarightunderthisCoveragePart:a.Tojoinusasapartyorotheb.TosueusonthisCoveragePartunlessallofitstermshavebeenfulApersonororganizationmaysueustorecoveronanagreedsettlemeagainstaninsured;butwewiCoveragePartorthatareinexcessoftheapplicablelimitofinsurance.AnagreasettlementandreleaseofliaIfothervalidandcollectibleinsuCoveragesAorBofthisCoveragePart,ourobligationsarelimitedasfollows:Thisinsuranceisprimaryexceptwhenobligationsarenotaffectedunlessanyoftheotherinsuranceisalsoprwithallthatotherinsurancebythemethodde-scribedinc.(1)Anyoftheotherinsurance,whetherprimary,excess,contingentoronanyothe(a)ThatisFire,ExtendedCoverage,Builder'sRisk,Installat(b)ThatisFireinsuranceforpremisespermissionoftheowner;damage"topremisesrentedtoyouortemporarilyoccupiedbyyouwithpermiss(d)Ifthelossarisesoutofthemaintenanceoruseofaircrafryinsuranceavailabletoyoucoveringliabilityfordamagesarisinfthepremisesoroperations,ortheproducaddedasanadditionalinsuredbyattachmentofanendorsement.Whenthisinsuranceisexcess,wewillhavenuit"ifanyotherinsurerhasadutytodefendtheinsfnootherinsurerdefends,wewillundertaketodoso,butwewillbeentitledtotheinsuredagainstallthoseotheriWhenthisinsuranceisexcessoverotherinsurance,wewillpayonlyourshareoftheamountoftheloss,ifany,thatexceedsthesumof:(1)Thetotalamountthatallsuchotherinsurancewouldpayforthelossin(2)Thetotalofalldeductibleandself-insuredamountsunderallthatotherinsWewillsharetheremainingloss,ifany,withanyonandwasnotboughtspecificallytoapplyinexcefInsuranceshownintheDeclarationsofthisCoveragePart.Ifalloftheotherinsurancepermitscontributionbyequalshares,wewillfollowthismethodofinsuranceornoneofthelossremains,whichevercomesfirst.Ifanyoftheotherinsurancedoesnotpermitcontributionbyequalshares,wewillcontributeethod,eachinsurer'ssharfinsurancetothetotalapplicablelimitsofinsuranceofallinsurers.thecloseofeachauditperiodwewillcomputetheearnedpremiumforthatperiodandsendnoticetothefirstNamedInsured.Theduedateforaudtheduedateonthebill.Ifthesumoftheadvanceandauditpremiumspaidforthepolicyperiodisgreaterthantheearnedpremium,wewillreturntheexcesstothefirstNamedInc.ThefirstNamedInsuredmustkeeprecordsoftheinformatiocomputation,andsenduscopiesatsuchtimesaByacceptingthispa.ThestatementsintheDeclaratib.Thosestatementsarebaseduponrepres