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UH3 A664942 07 1001631
<br />(3) Prior to the policy period, no insured
<br />whether or not the "underlying
<br />and no "employee" authorized by you
<br />insurance" is available or the limits
<br />to give or receive notice of an
<br />have been exhausted;
<br />"occurrence", offense or claim, knew
<br />(2) Any claim or "suit" covered by
<br />that the "bodily injury", "property
<br />Coverage A — Follow Form Excess
<br />damage", "personal injury" or
<br />Liability Insurance of this policy; or
<br />"advertising injury" had occurred, in
<br />whole or in part. If such an insured or
<br />(3) Any costs or expenses related to loss
<br />authorized "employee" knew, prior to
<br />as described by c.(1) or c.(2) above.
<br />the policy period, that the "bodily
<br />d. The amount we will pay for damages is
<br />injury", "property damage", "personal
<br />limited as described in section VI. LIMITS
<br />injury" or "advertising injury" occurred,
<br />OF INSURANCE.
<br />then any continuation, change or
<br />"bodily
<br />e. We have no obligation under this
<br />resumption of such injury",
<br />insurance with respect to any claim or
<br />"property damage, "personal injury" or
<br />"suit" settled without our consent.
<br />"advertising injury" during or after the
<br />policy period will be deemed to have
<br />f. No other obligation or liability to pay sums
<br />been known prior to the policy period.
<br />or perform acts or services is covered
<br />unless explicitly provided for under section
<br />However, "bodily injury", "property
<br />II. DEFENSE AND SETTLEMENT and
<br />damage", "personal injury" or
<br />section V. SUPPPLEMENTARY
<br />"advertising Injury" which occurs
<br />PAYMENTS.
<br />during the policy period and was not,
<br />prior to the policy period, known to
<br />II. DEFENSE AND SETTLEMENT
<br />have occurred by any insured or by
<br />1. Coverage A— Follow Form Excess Liability
<br />any "employee" authorized by you to
<br />Defense and Settlement:
<br />give or receive notice of an
<br />11
<br />a. We have the right and duty to defend the
<br />occurrence", offense or claim,
<br />insured against any "suit" seeking
<br />includes any continuation, change or
<br />"bodily
<br />damages to which this insurance applies.
<br />resumption of that injury",
<br />"property "personal
<br />If the "underlying insurer" defends a "suit"
<br />damage", injury"
<br />"advertising
<br />even if such "suit" is groundless, false or
<br />or injury" after the end of
<br />fraudulent, we will also defend such a
<br />the policy period.
<br />"suit". We have no duty to defend any
<br />b. "Bodily injury", "property damage",
<br />person or organization against any claim
<br />"personal injury" or "advertising injury" will
<br />or "suit":
<br />be deemed to have been known to have
<br />(1) To which this insurance does not
<br />occurred at the earliest time when any
<br />"employee"
<br />apply; or
<br />insured, or any authorized by
<br />you to give or receive notice of an
<br />(2) If any other insurer has a duty to
<br />"occurrence", offense or claim:
<br />defend.
<br />(1) Reports all or any part of the "bodily
<br />b. Where we have the duty to defend, we
<br />injury", "property damage", "personal
<br />may, at our discretion, investigate any
<br />injury" or "advertising injury" to us or
<br />occurrence or offense and settle any claim
<br />any other insurer;
<br />or "suit".
<br />(2) Receives a written or verbal demand
<br />c. Where we have no duty to defend, we
<br />or claim for damages because of the
<br />have the right to participate in the
<br />"bodily injury", "property damage",
<br />investigation and settlement of any claim,
<br />"personal injury" or "advertising injury';
<br />and defense of any "suit", that we feel may
<br />or
<br />create liability on our part under the terms
<br />(3) Becomes aware by any other means
<br />and conditions of this policy. If we exercise
<br />that "bodily injury", ° "property dama "
<br />damage",
<br />this right, we will do so at our own
<br />"personal injury" or "advertising injury"
<br />expense.
<br />has occurred or has begun to occur.
<br />d. Our duty to defend ends when we have
<br />c. Coverage B — Umbrella Liability
<br />used up the applicable Limit of Insurance
<br />Insuring Agreement does not apply to:
<br />in the payment of judgments or
<br />settlements. However, if the Limits of
<br />(1) Any claim or "suit" which is covered by
<br />Insurance of any "underlying insurance"
<br />"underlying insurance" regardless of
<br />are reduced by de
<br />475-0001 01 18 Includes copyrighted material of Insurance services Office, Inc., with its permissior
<br />Copyright 2017 The Hanover Insurance Group, Inc. All Rights Reserved.
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<br />;% E o BE\AEwED&APPROVED BY. -
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<br />`�--'Risk Management Specialist
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