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'This exciu.usiioin applies:
<br />(t) Whether the injury causing event
<br />described in the definition of "employrnertt..
<br />rellated practices" occurs before
<br />employment, during employment or after
<br />eirnnlployment of that person;
<br />() Whether the iirnsured nnay be liable as an
<br />employer or in any other capacity; and
<br />(3) "To any oblligatiioun to share damages with
<br />or ;repay soirneone raise who must pay
<br />dairnages because of the injury,
<br />v. Asbestos
<br />(1) "Personal and advertising injury" aria: irng
<br />out of the "asbestos hazard".
<br />() Any darnnageas, judgments, settlernents,
<br />loss, costs oir expenses that:
<br />(a) May be warded or incurred by reason
<br />of any cpalirnn or suit alleging actual or
<br />threatened injury or darnnage of any
<br />ruatu,ure or kind to persons or, property
<br />which would not have occurred irr
<br />whole or in part but for the "asbestos
<br />hazard";
<br />)Ill)) Arise out of any request, dernand,
<br />order or statutory or regulatory
<br />requirement that any insured or others
<br />test for, monitor, clean up, remove„
<br />encapsulate, contain, treat, detoxify or
<br />neu.utrahze or in any way respond to or,
<br />assess the effects of an "asbestos
<br />hazard"'; or
<br />(c) Arise out of any claim or suit For,
<br />damages because of testing For,
<br />rnonitoir'Jng, cleaning up, removing,
<br />encapsua ad ng, coaritainirng, treating,
<br />detoxlifyiirng or roeutralizing or in any
<br />way responding to or assessing the
<br />effects of an "asbestos hazard".
<br />ter. Access Or Disclosure Of Confidential Or
<br />lieursoinall Information
<br />°"Personai and adver ising injury," arising out of
<br />any access to or disclosure of any person's or
<br />organizatioirn"s confidential or personal
<br />information, iimnciu,udiing patents, trade secrets,
<br />processing methods, customer fists, financial
<br />inforn-mboirn, credit card information, health
<br />information or any other type of nonpuablic
<br />infovrrrnall:ioarn.
<br />"T'Ns excluspon applies even if damages are
<br />clairnned for notification costs, credit
<br />monitoring expenses, forensic expenses,
<br />puubHc relations expermes or any rather foss,
<br />cost or expense lincurred by you or others
<br />arising out of any access to or disclosure of
<br />any (person"s or orgainiz ation's confidential or
<br />personal infomirination.
<br />COVEIRAGII:..:i: C MEDICAL PAYMENT'S
<br />1. lnsaurtirug Agireerneird
<br />a. We will pay rnutdicM expenses as described
<br />bellow for "bodily injury" caused by an
<br />accident:
<br />(1) On premises you own or rent,
<br />() On ways next to parernises you own or
<br />rent; or
<br />() p.3ecauuse of your operations;
<br />provided that.
<br />(fi) "II"he accident. Bakes 1p>lace in the "coverage
<br />territory" and duurirtg the policy period;
<br />() 11 heo expenses are irncurred and reported
<br />to us within three years of the date of the
<br />ac,,cidenti and
<br />() "phie injured person sn.ubrmnits to
<br />exarrninafion, at our expense, by
<br />plhyasiciarns of our choice as often as we
<br />reasornabiy require.
<br />b„ We wfli nrtake these payments regardless of
<br />fauuk. These payments will not exceed the
<br />applicable limit of insurance. We will pay
<br />reasonable expenses for
<br />(fi) p:iirst aid adrnrirnpstered at the time of an
<br />accident;
<br />() Ncacessary medical, satir ical, -ray and
<br />dental services, including prosthetic
<br />devices; and
<br />() Necessary aunnbulance„ hospital,
<br />professional nursing and funeral services.
<br />. Exclusions
<br />'e will riot pay expenses for "bodily injuury°":
<br />a. Any Insured
<br />To any insu.ared, except: "volunteer workers".
<br />b„ I°fired Fl ersoun
<br />F'o a person haired 'to do work for or on behalf
<br />of aniy insured or a tenant of any insured.
<br />c., prr)luury On Normally Occupied Premises
<br />To a person injured on that part, of premises
<br />you own or recut that the person rtorrnally
<br />occupies,
<br />d,, Workers Cornpensation And Similar Ill,,,,avaas
<br />1 o:a a person, whether or not an ''"errlployee" of
<br />any insured, if benefits for the "bodily irnju.ary" are
<br />payable or rnuust be provided wander a workers'
<br />compensation or disabihrty benefits law or a
<br />irrillar lawn.
<br />e, Athletics Activities
<br />_i'.o a person injured white practicing,
<br />instruuGbrig or participating in arty physical
<br />exercises or games, sports, or athlefic
<br />conitests.
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