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UH3 A664942 07 1001631 Applicable to Both Coverage A — Follow Form Excess Liability and Coverage B — Umbrella Liability 1. We will pay the following expenses in addition to the Limit of Insurance with respect to any claim we investigate or settle, or any "suit" against an insured we defend, to the extent such expenses are not covered by "underlying insurance" or "other insurance": a. All expenses we incur. b. Up to $2,000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which this coverage applies. We do not have to furnish these bonds. c. The premium costs of appellate bonds or bonds to release attachments, but only for bond amounts within the applicable Limit of Insurance. We do not have to furnish these bonds. d. Reasonable expenses incurred by an insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $1000 a day because of time off from work. e. All costs taxed against an insured in the "suit", except any: (1) Attorneys' fees or litigation expenses; or (2) Other loss, cost or expense in connection with any injunction or equitable relief. expense will reduce our applicable Limits of Insurance in the same manner. 4. If the law of a country or jurisdiction prohibits us from paying a Supplementary Payment, we will reimburse you for a Supplementary Payment you have incurred with our consent. VI. LIMITS OF INSURANCE Applicable to Both Coverage A — Follow Form Excess Liability and Coverage B — Umbrella Liability 1. The limits of insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; c. Persons or organizations making claims or bringing "suits"; or d. Coverages provided by this policy. 2. The Products -Completed Operations Aggregate Limit shown in the Declarations is the most we will pay for the sum of all damages included in the "products - completed operations hazard". 3. The General Aggregate Limit shown in the Declarations is the most we will pay for the sum of all damages to which this insurance applies, except: a. Damages Included in the "products - completed operations hazard"; or b. Otherwise covered by "underlying insurance", but to which no aggregate limit in such "underlying insurance" applies. f. Pre judgment interest awarded against the 4 insured on that part of the judgment we pay. If we make an offer to pay the applicable Limit of Insurance, we will not pay any pre judgment interest based on that period of time after the offer. g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court that 5 part of the judgment that is within our applicable limit of insurance. Subject to the applicable Aggregate Limit, the Each Occurrence Limit shown in the Declarations is the most we will pay for damages arising out of any one "occurrence" or offense under Coverage A— Follow Form Excess Liability and Coverage B — Umbrella Liability combined, even if such loss is or otherwise would be covered in whole or part under more than one "underlying insurance". Any amount paid for loss will reduce the amount of the applicable Aggregate Limit available for any other payments. 2. Our obligation to make these payments ends 6. If the applicable Aggregate Limit has been when we have used up the applicable Limit of reduced to any amount that is less that the Insurance. Each Occurrence Limit, the remaining amount 3. If the Limits of Insurance of any "underlying of such applicable Aggregate Limit is the most insurance" are reduced by defense expense or that will be available for any other payments. claim expense as defined under the terms of 7. If the Limits of Insurance of any "underlying that policy, then any Supplemental Payments insurance" are reduced by defense or claim we make that meet the "underlying insurance" expenses under the terms of that policy, then definition of defense expense or claim any defense or claim Risk Muaganad Dhisian 475-0001 01 18 Includes copyrighted material of Insurance services Office, Inc., with its perrnissior ;% E o RE\AEwED&APPROVED BY. - Copyright 2017 The Hanover Insurance Group, Inc. All Rights Reserved. S� `�--'Risk Management Specialist