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COMMERCIAL GENERAL LIABILITY
<br />(2) "Bodily injury" or "property damage" arising
<br />out of the actual or alleged presence or
<br />actua|, alleged or threatened dispersal of
<br />any solid, liquid, gaseous or thermal irritant
<br />or contaminant, including smoke, vapors,
<br />soot, fumes, acids, a|ka|is, chemicals and
<br />waste, and that are pad of any claim or
<br />"suit" which also alleges any "bodily injury"
<br />or "property damage" described in
<br />Paragraph (1)above.
<br />(3) Any |oss, cost or expense arising out of
<br />(a) Request demand, order or statutory or
<br />regulatory requirement that any insured
<br />or others test for, monitor, dean up'
<br />nemme, conbsin, treat' detoxify or
<br />neutna|ize, or in any way respond to, or
<br />assess the effects of, asbeehme,
<br />asbestos fibers or products containing
<br />asbestos; or
<br />(b)Claim msuit bymrVnbehalf of any
<br />governmental authority or any other
<br />person or organization because of
<br />testing for, monibmring, cleaning up,
<br />narnoving, containing, tnaadng,
<br />detoxifying or neu1na|izing, or in any
<br />way responding to, or assessing the
<br />effects of, asbestos, asbestos fibers or
<br />products containing asbestos.
<br />It. Employment -Related Practices
<br />"Bodily injury" to:
<br />(1) Aperson arising out ofany:
<br />(a) Refusal to employ that person;
<br />(b) Termination of that persons
<br />employment; or
<br />(c) Employment -related practice, pm|icy,
<br />act or omission, such as coercion,
<br />demotion, e*a|uation, reassignment,
<br />disdp|ine, failure to promote or
<br />advance, harassment, humiliation,
<br />discrimination, libel, slander, violation
<br />of the peraon's right of privacy,
<br />malicious prosecution or false arrest
<br />detention orimprisonment applied toor
<br />directed at that person, regardless of
<br />whether such practice, policy, act or
<br />omission occurs, is applied or is
<br />committed befone, during or after the
<br />time of that pemon's employment; or
<br />(2) The spouoe, chi|d, parent, brother mrsister
<br />ofthat person asa consequence of"bodily
<br />injury" to that person at whom any of the
<br />Page 6 of 21
<br />employment -related practices described in
<br />Paragraph (a). (b).or(c) above is directed.
<br />This exclusion applies whether the insured may
<br />beliable asanemployer orinany other capacity
<br />and toany obligation tm share damages with or
<br />repay someone else who must pay damages
<br />because mfthe "bodily injury".
<br />Exclusions c. through n. do not apply tm "premises
<br />damage". A separate limit of insurance applies to
<br />"premises damage" asdescribed in Paragraph 6'of
<br />SectiunUUU—LimitsOf|nsunance.
<br />:NJURY LIABILITY
<br />1. Insuring Agreement
<br />a. We will pay those sums that the insured
<br />becomes legally obligated to pay as damages
<br />because of "personal and advertising injury" to
<br />which this insurance applies. We will have the
<br />right and duty todefend the insured against any
<br />"suit'seeking those damages. However, we will
<br />have noduty hodefend the insured against any
<br />"suit" seeking damages for "personal and
<br />advertising injury" to which this insurance does
<br />not apply. We may, at our discretion,
<br />investigate any offense and settle any claim or
<br />"suit" that may result. But:
<br />(1) The amount we will pay for damages is
<br />limited as described in Section UUU — Limits
<br />Of Insurance; and
<br />(2) Our right and duty to defend end when we
<br />have used up the applicable limit of
<br />insurance in the payment of judgments or
<br />settlements under Coverages A or B or
<br />medical expenses under Coverage C.
<br />No other obligation or liability to pay sums or
<br />perform acts or services is covered unless
<br />explicitly provided for under Supplementary
<br />Payments.
<br />b. This insurance applies to "personal and
<br />advertising injury" caused by an offense arising
<br />out of your business but only if the offense was
<br />committed inthe "coverage territory" during the
<br />policy period.
<br />This insurance does not apply to:
<br />a. Knowing Violation Of Rights Of Another
<br />"Personal and advertising injury" caused by or
<br />at the direction of the insured with the
<br />knowledge that the act would violate the rights
<br />of another and would inflict "personal and
<br />advertising injury".
<br />I Rik M.-g-t C1 �fi-1 A7.
<br />@umrThe Travelers Indemnity Company. All rights reserved.
<br />Includes copyrighted material of Insurance Services Office, Inc. with its permission.
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