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HISCOX PRCYM General Liability Coverage Part (Occurrence)
<br />Claim expenses means all reasonable and necessary fees, costs, and expenses (including the fees of attorneys
<br />and experts) incurred in the Investigation, defense, or appeal of a claim.
<br />Coverage territory
<br />means anywhere in the world, but this Coverage Part will apply only to a claim brought In the
<br />United States, its territories or possessions, or Canada.
<br />Damages
<br />means any monetary amount you are ordered to pay by a court, or by an arbitrator in an
<br />arbitration to which we have consented.
<br />However, damages does not include any civil, regulatory, or criminal fnes, restitution,
<br />disgorgement, sanctions, taxes, or penalties, including those Imposed by any federal, state, or
<br />local governmental authority, or any multiple, punitive, or exemplary damages.
<br />Damages because of bodily injury includes care, loss, or services, or death resulting at any time
<br />from the bodily injury.
<br />Employee
<br />means any person employed by you, including any leased worker, but does not include a
<br />temporary worker.
<br />Hostile fire
<br />means a fire that becomes uncontrollable or breaks out from where it was intended to be.
<br />Impaired property
<br />means tangible property, other than your product or your work, that cannot be used or is less
<br />useful because:
<br />1. it Incorporates your product or your work that is known or thought to be defective,
<br />deficient, inadequate, or dangerous; or
<br />2. you have failed to fulfill the terms or conditions of a contract or agreement;
<br />if such property can be restored to use by:
<br />1. the repair, replacement, adjustment, or removal of your product or your work; or
<br />2, your fulfilling the terms or conditions of the contract or agreement.
<br />Insured contract
<br />means:
<br />1. a contract for the lease of premises, but not any portion of the lease that indemnities any
<br />person or organization for damage by fire to premises while rented to you or temporarily
<br />occupied by you with permission of the owner;
<br />2, a sidetrack agreement;
<br />3. an easement or license agreement, except in connection with construction or demolition
<br />operations on or within 50 feet of a railroad;
<br />4. an obligation, as required by ordinance, to indemnify a municipality, except in connection
<br />Will work fora municipality;
<br />5, an elevator maintenance agreement; or
<br />6, any other contract or agreement pertaining to your business (including an indemnification of
<br />a municipality In connection with work performed for such municipality) in which you assume
<br />the tort liability of another to pay damages sustained by a third party to which this Coverage
<br />Part would apply. Tort liability means liability that would be imposed by law in the absence of
<br />any contract or agreement
<br />However, an insured contract does not include that part of any contract or agreement:
<br />1. that indemnities a milread for bodily injury or property damage arising out of construction
<br />or demolition operations on or within 50 feet of any railroad property and affecting any
<br />railroad bridge or trestle, tracks, roadbeds, tunnel, underpass, or crossing;
<br />2. that Indemnifies an architect, engineer, or surveyor for damages arising out of:
<br />a. preparing, approving, or failing to prepare or approve maps, drawings, opinions,
<br />reports, surveys, field orders, change orders, designs, or specifications; or
<br />b, giving or failure to give directions or instructions, if that is the primary cause of the
<br />injury or damage; or
<br />Includes copyrighted material of Insurance
<br />Services Offices, Inc., with its permission
<br />WCL P0002 CW 1101141
<br />Page ie or 19
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