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PI-GLD-MS (10/11) <br />Recovery Against Others To Us is deleted in its entirety and replaced by the following: <br />If the insured has rights to recover all or part of any payment we have made under this Coverage <br />Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At <br />our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. <br />Therefore, the insured can waive the insurer's rights of recovery prior to the occurrence of a <br />loss, provided the waiver is made in a written contract, <br />P. Liberalization <br />SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS, is amended to include the <br />following: <br />If we revise this endorsement to provide more coverage without additional premium charge, we <br />will automatically provide the additional coverage to all endorsement holders as of the day the <br />revision is effective in your state. <br />Q. Bodily Injury— Mental Anguish <br />SECTION V — DEFINITIONS, Paragraph 3. Is deleted in its entirety and replaced by the following: <br />"Bodily injury" means: <br />a. Bodily injury, sickness or disease sustained by a person, and includes mental anguish <br />resulting from any of these; and <br />b. Except for mental anguish, includes death resulting from the foregoing (Item a. above) at any <br />time. <br />R. Personal and Advertising Injury — Abuse of Process, Discrimination <br />If COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY COVERAGE is not <br />otherwise excluded from this Coverage Part, the definition of "personal and advertising injury" is <br />amended as follows: <br />1. SECTION V — DEFINITIONS, Paragraph 14.b. is deleted in its entirety and replaced by the <br />following: <br />b. Malicious prosecution or abuse of process; <br />2. SECTION V — DEFINITIONS, Paragraph 14. is amended by adding the following: <br />Discrimination based on race, color, religion, sex, age or national origin, except when: <br />a. Done intentionally by or at the direction of, or with the knowledge or consent of: <br />(1) Any insured; or <br />(2) Any executive officer, director, stockholder, partner or member of the insured; <br />b. Directly or indirectly related to the employment, former or prospective employment, <br />termination of employment, or application for employment of any person or persons by an <br />insured; <br />Page 11 of 12 <br />Includes copyrighted material of insurance Services Office, Inc., with its permission. <br />02011 Philadelphia Indemnity Insurance Company <br />