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BUSINESSLIABILITYCOVERAGEFORM <br />Variousprovisionsinthispolicyrestrictcoverage.Readtheentirepolicycarefullytodeterminerights,dutiesandwhat <br />isandisnotcovered. <br />Throughoutthispolicythewords"you"and"your"refertotheNamedInsuredshownintheDeclarations.Thewords <br />"we","us"and"our"refertothestockinsurancecompanymemberofTheHartfordprovidingthisinsurance. <br />C <br />Theword"insured"meansanypersonororganizationqualifyingassuchunderSection.-WhoIsAnInsured. <br />G <br />Otherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.RefertoSection.-LiabilityAnd <br />MedicalExpensesDefinitions. <br />(a) <br />The"bodilyinjury"or"property <br />A.COVERAGES <br />damage"iscausedbyan <br />1.BUSINESSLIABILITYCOVERAGE(BODILY <br />"occurrence"thattakesplaceinthe <br />INJURY,PROPERTYDAMAGE,PERSONAL <br />"coverageterritory"; <br />ANDADVERTISINGINJURY) <br />(b) <br />The"bodilyinjury"or"property <br />InsuringAgreement <br />damage"occursduringthepolicy <br />a. <br />Wewillpaythosesumsthattheinsured <br />period;and <br />becomeslegallyobligatedtopayas <br />(c) <br />Priortothepolicyperiod,noinsured <br />damagesbecauseof"bodilyinjury", <br />1. <br />listedunderParagraphofSection <br />"propertydamage"or"personaland <br />C. <br />–WhoIsAnInsuredandno <br />advertisinginjury"towhichthisinsurance <br />"employee"authorizedbyyoutogive <br />applies.Wewillhavetherightanddutyto <br />orreceivenoticeofan"occurrence" <br />defendtheinsuredagainstany"suit" <br />orclaim,knewthatthe"bodilyinjury" <br />seekingthosedamages.However,wewill <br />or"propertydamage"hadoccurred, <br />havenodutytodefendtheinsuredagainst <br />inwholeorinpart.Ifsuchalisted <br />any"suit"seekingdamagesfor"bodily <br />insuredorauthorized"employee" <br />injury","propertydamage"or"personaland <br />knew,priortothepolicyperiod,that <br />advertisinginjury"towhichthisinsurance <br />the"bodilyinjury"or"property <br />doesnotapply. <br />damage"occurred,thenany <br />Wemay,atourdiscretion,investigateany <br />continuation,changeorresumption <br />"occurrence"oroffenseandsettleanyclaim <br />ofsuch"bodilyinjury"or"property <br />or"suit"thatmayresult.But: <br />damage"duringorafterthepolicy <br />periodwillbedeemedtohavebeen <br />(1) <br />Theamountwewillpayfordamagesis <br />knownpriortothepolicyperiod. <br />D. <br />limitedasdescribedinSection- <br />(2) <br />To"personalandadvertisinginjury" <br />LiabilityAndMedicalExpensesLimits <br />causedbyanoffensearisingoutofyour <br />OfInsurance;and <br />business,butonlyiftheoffensewas <br />(2) <br />Ourrightanddutytodefendendswhen <br />committedinthe"coverageterritory" <br />wehaveuseduptheapplicablelimitof <br />duringthepolicyperiod. <br />insuranceinthepaymentofjudgments, <br />c. <br />"Bodilyinjury"or"propertydamage"willbe <br />settlementsormedicalexpensestowhich <br />deemedtohavebeenknowntohave <br />thisinsuranceapplies. <br />occurredattheearliesttimewhenany <br />Nootherobligationorliabilitytopaysumsor <br />1. <br />insuredlistedunderParagraphofSection <br />performactsorservicesiscoveredunless <br />C. <br />–WhoIsAnInsuredorany"employee" <br />explicitlyprovidedforunderCoverage <br />authorizedbyyoutogiveorreceivenotice <br />Extension-SupplementaryPayments. <br />ofan"occurrence"orclaim: <br />b. <br />Thisinsuranceapplies: <br />(1) <br />Reportsall,oranypart,ofthe"bodily <br />(1) <br />To"bodilyinjury"and"property <br />injury"or"propertydamage"tousor <br />damage"onlyif: <br />anyotherinsurer; <br />FormSS00080405Page1of24 <br />©2005,TheHartford <br /> <br />