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UH3 A664942 07 1001631 HANOVER COMMERCIAL FOLLOW FORM EXCESS AND UMBRELLA POLICY Various provisions of this policy restrict coverage. Read the entire policy carefullyto determine rights, duties and what is and is not covered. We will not pay sums or perform acts or services unless explicitly provided for in this policy. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we, us and our refer to the Company providing this insurance. Otherwords and phrases that appear in quotation marks have special meaning. Refer to the Definitions Section of this policy. I. INSURING AGREEMENTS e. We have no obligation under this 1. Coverage A— Follow Form Excess Liability insurance with respect to any claim or Insuring Agreement "suit" settled without our consent. a. We will pay on behalf of the insured those f. This policy does not apply to any part of sums in excess of the "underlying loss within the Limit of Insurance of insurance" which the insured becomes "underlying insurance", or any related legally obligated to pay as damages, costs or expenses. provided: g. No other obligation or liability to pay sums (1) Such damages are covered by or perform acts or services is covered "underlying insurance"; unless explicitly provided for under section II. DEFENSE AND SETTLEMENT and (2) The event which triggers coverage on section V. SUPPLEMENTAL the "underlying insurance" takes place PAYMENTS. during the policy period of this insurance, and 2. Coverage B —Umbrella Liability Insuring Agreement (3) The applicable Limit of Insurance of the "underlying insurance" is a. We will pay on behalf of the insured those exhausted by payment of judgments, sums in excess of the "retained limit" settlements, related costs or expenses shown in the Declarations which the for damages also covered under this insured becomes legally obligated to pay policy. We will not pay if the Limit of as damages because of "bodily injury", Insurance of "underlying insurance" is "property damage", "personal injury" and exhausted by payment for damages to "advertising injury" to which this coverage which this insurance does not also applies, provided: apply. (1) The: b. We will not pay damages that the "underlying insurance" does not pay for any reason other than exhaustion of limits of the "underlying insurance" by payment of judgments, settlements, related costs or expenses. c. The terms and conditions of the "underlying insurance" in effect at the inception of this policy apply unless they are inconsistent with the terms and conditions of this policy. d. The amount we will pay for damages is limited as described in section VI. LIMITS OF INSURANCE. (a) "Bodily injury" or "property damage" is caused by an "occurrence"; or (b) "Personal injury" and "advertising injury" is caused by an offense arising out of your business; Which took place within the coverage territory as described in section IV. COVERAGE TERRITORY; (2) The "bodily injury" or "property damage" occurs during the policy period, and the offense causing "personal injury" or "advertising injury" is first committed during our policy period; and RAMuagmadDlMsian 475-0001 01 18 Includes copyrighted material of Insurance services Office, Inc., with its permissior ;% E o RE\AEwED&APPROVED BY. - Copyright 2017 The Hanover Insurance Group, Inc. All Rights Reserved. S� `�--'Risk Management Specialist