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<br />HISCOX F-1 j- General Liability Coverage Part (Occurrence)
<br />(1) request, demand, or order that you or others test for, monitor, cleanup, remove,
<br />contain, treat, detoxify, or neutralize, or in any way respond to or assess the
<br />effect of any biological agents; or
<br />(2) claim or other proceeding by or on behalf of a governmental authority or others
<br />for the testing for, monitoring, cleaning up, removing, containing, treating,
<br />detoxifying, or neutralizing, or in any way responding to or assessing the effects
<br />of any biological agents.
<br />Communicable disease 3. based upon or arising out of the actual or alleged transmission of a communicable disease
<br />This exclusion will apply even if the claim against you alleges negligence or other
<br />wrongdoing in the:
<br />a. supervising, hiring, employing, training, or monitoring of others that may be infected
<br />with and spread a communicable disease;
<br />b, testing for a communicable disease;
<br />C. failure to prevent the spread of the disease; or
<br />d. failure to report the disease to authorities.
<br />Contractual liability
<br />4. for which you are legally obligated to pay as damages because of liability assumed in a
<br />contract or agreement. However, this exclusion will not apply to liability for damages:
<br />a. you would have In the absence of such contract or agreement; or
<br />b. assumed in an insured contract, provided the bodily Injury, property damage, or
<br />personal and advertising Injury occurs after such contract or agreement has been
<br />fully executed.
<br />Crime or fraud
<br />5. based upon or arising out of any actual or alleged criminal or fraudulent conduct committed
<br />by you, at your direction, or with your consent or knowledge.
<br />Electronic chatrooms,
<br />6, based upon or arising out of an electronic chatroom, bulletin board, or website you host,
<br />bulletin boards, or
<br />own, or over which you exercise control.
<br />websites
<br />Electronic data
<br />7. based upon or arising out of the loss of, loss of use of, damage to, corruption of, inability to
<br />access, or inability to manipulate electronic data.
<br />Employment related
<br />8. based upon or arising out of any actual or alleged:
<br />liability
<br />a. obligation under any workers' compensation, unemployment compensation,
<br />employers' liability, fair labor standards, labor relations, wage and hour, or disabllity
<br />benefit law, Including any similar provisions of any federal, state, or local statutory or
<br />common law;
<br />b. liability or breach of any duty or obligation owed by you as an employer or prospective
<br />employer: or
<br />c. harassment, wrongful termination, retaliation, or discrimination, including but not
<br />limited to adverse or disparate impact,
<br />Including any resulting damages sustained at any time by the brother, child, parent, sister,
<br />or spouse of such person as a consequence of the above.
<br />This exclusion will apply:
<br />a, whether you may be liable as an employer or in any other capacity; and
<br />b. to any obligation to share damages with or repay someone else who must pay
<br />damages because of any of the above.
<br />Fair credit
<br />9. based upon or arising out of any actual or alleged violation of the Fair Credit Reporting Act
<br />and/or Fair and Accurate Credit Transactions Act, both as may be amended, or any similar
<br />federal, state, or local statutes, rules, or regulations In or outside the V.S.
<br />Includes copyrighted material of Insurance
<br />Services Offices, Inc., with its permission
<br />WCL Pa002 CW (10114)
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