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We have no duty to defend a claim, proceeding or suit <br />that is not covered by this insurance. We have no <br />duty to defend or continue defending after we have <br />paid our applicable limit of liability under this <br />insurance. <br />E. We Will Also Pay <br />We will also pay these costs, in addition to other <br />amounts payable under this insurance, as part of any <br />claim, proceeding or suit we defend: <br />1. Reasonable expenses incurred at our request, but <br />not loss of earnings; <br />2. Premiums for bonds to release attachments and <br />for appeal bonds in bond amounts up to the limit <br />of our liability under this insurance; <br />3. Litigation costs taxed against you; <br />4. Interest on a judgment as required by law until we <br />offer the amount due under this insurance; and <br />5. Expenses we incur. <br />F. Other Insurance <br />We will not pay more than our share of damages and <br />costs covered by this insurance and other insurance <br />or self-insurance. Subject to any limits of liability that <br />apply, all shares will be equal until the loss is paid. If <br />any insurance or self-insurance is exhausted, the <br />shares of all remaining insurance and self-insurance <br />will be equal until the loss is paid. <br />G. Limits of Liability <br />Our liability to pay for damages is limited. Our limits of <br />liability are shown in Item 3.13. of the Information Page. <br />They apply as explained below. <br />1. Bodily Injury by Accident. The limit shown for <br />'bodily injury by accident each accident' is the <br />most we will pay for all damages covered by this <br />insurance because of bodily injury to one or more <br />employees in any one accident. <br />A. How This Insurance Applies <br />A disease is not bodily injury by accident unless it <br />results directly from bodily injury by accident. <br />2. Bodily Injury by Disease. The limit shown for <br />"bodily injury by disease policy limit" is the most <br />we will pay for all damages covered by this <br />insurance and arising out of bodily injury by <br />disease, regardless of the number of employees <br />who sustain bodily injury by disease. The limit <br />shown for 'bodily injury by disease each <br />employee" is the most we will pay for all <br />damages because of bodily injury by disease to <br />any one employee. <br />Bodily injury by disease does not include disease <br />that results directly from a bodily injury by <br />accident. <br />3. We will not pay any claims for damages after we <br />have paid the applicable limit of our liability under <br />this insurance. <br />H. Recovery From Others <br />We have your rights to recover our payment from <br />anyone liable for an injury covered by this insurance. <br />You will do everything necessary to protect those <br />rights for us and to help us enforce them. <br />I. Actions Against Us <br />There will be no right of action against us under this <br />insurance unless: <br />1. You have complied with all the terms of this <br />policy; and <br />2. The amount you owe has been determined with <br />our consent or by actual trial and final judgment. <br />This insurance does not give anyone the right to add <br />us as a defendant in an action against you to <br />determine your liability. The bankruptcy or <br />insolvency of you or your estate will not relieve us of <br />our obligations under this Part. <br />PART THREE -OTHER STATES INSURANCE <br />1. This other states insurance applies only if one or <br />more states are shown in Item 3.C. of the <br />Information Page. <br />2. If you begin work in any one of those states after <br />the effective date of this policy and are not insured <br />or are not self -insured for such work, all provisions <br />of the policy will apply as though that state were <br />Form WC 00 00 00 C Printed in U.S.A. <br />listed in Item 3.A. of the Information Page <br />3. We will reimburse you for the benefits required by <br />the workers compensation law of that state if we <br />are not permitted to pay the benefits directly to <br />persons entitled to them. <br />4. If you have work on the effective date of this <br />policy in any state not listed in Item 3.A. of the <br />Rbk Mougmte iDMsion <br />Rentwm6MPRw®8r. <br />® Risk Management Analyst <br />