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CNA CNA PARAMOUNT Stop Gap Liability Coverage Part Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. The word Insurer refers to the company providing this Insurance as set forth on the Policy Declarations. I. COVERAGE The Insurer will pay those sums up to the applicable limit of insurance that the Insured becomes legally obligated to pay as damages because of bodily injury to an employee of the Named Insured provided that such employee has been reported and declared under a Workers' Compensation Law of a state, territory or possession designated in the Coverage Part Declarations prior to sustaining bodily injury, and such bodily injury: A. is sustained by such employee and arises out of and in the course of such employee's employment; B. takes place in the coverage territory; C. is caused by: 1. an accident occurring during the policy period; or 2. a disease which is caused by or aggravated by conditions of such employee's employment. The employee's last day of last exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period. The Insurer will pay all defense costs in connection with a covered claim. Such defense costs are in addition to the limits of insurance. II. DEFENSE A. Duty to Defend The Insurer has the right and duty to defend in the Insured's name and on the Insured's behalf any covered suit even if any of the allegations of such suit are groundless, false or fraudulent. The Insurer shall have the right to appoint counsel and to make such investigation and settlement of a claim as is deemed necessary by the Insurer. If a claim is subject to an arbitration proceeding or mediation proceeding, the Insurer shall be entitled to exercise all of the Insured's rights in the choice of arbitrators or mediators and in the conduct of an arbitration proceeding or mediation proceeding involving such claim. B. Exhaustion of Limits 0 N s The Insurer is not obligated to investigate, defend, pay or settle, or continue to investigate, defend, pay or settle a claim after the applicable limit of the Insurer's liability has been exhausted by payment of damages. In such case, the Insurer shall have the right to withdraw from the further investigation, defense, payment or settlement of such claim by tendering control of said investigation, defense or settlement of the claim to the Insured. III. EXCLUSIONS This insurance does not apply to bodily injury: A. Age: to an employee: 1. knowingly employed by the Named Insured in violation of any law as to age; or 2. under the age of 14 years, regardless of any such law. B. Aircraft arising out of aircraft operation or the performance of any duty in connection with aircraft while in flight. C. Contractual Liability arising out of liability assumed by the insured under any agreement or contract. CNA74934XX 01-15 Copyright CNA All Rights Reserved. �oRaN } r ql Risk MmRgemerdDi isfan REVIEWED & APPROVED BY.- ,q,q FU-6- " . Y PZ Risk Management Analyst