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emergency medical technician or paramedic
<br />employed by you if you are not engaged in the
<br />business or occupation of providing medical,
<br />paramedical, surgical, dental, x-ray or nursing
<br />services.
<br />6. Personal Injury - Broad Form
<br />a. SECTION II - LIABILITY, B. Exclusions, 2.
<br />Additional Exclusions Applicable only to
<br />"Personal and Advertising Injury", paragraph
<br />e. is deleted.
<br />b. SECTION II - LIABILITY, F. Liability and
<br />Medical Expenses Definitions, 14. "Personal
<br />and advertising injury", paragraph b. is
<br />replaced by the following:
<br />b. Malicious prosecution or abuse of
<br />process.
<br />c. The following is added to SECTION II -
<br />LIABILITY, F. Liability and Medical Expenses
<br />Definitions, Definition 14. "Personal and
<br />advertising injury":
<br />"Discrimination" (unless insurance thereof is
<br />prohibited by law) that results in injury to the
<br />feelings or reputation of a natural person,
<br />but only if such "discrimination" is:
<br />(1) Not done intentionally by or at the
<br />direction of:
<br />(a) The insured;
<br />(b) Any officer of the corporation,
<br />director, stockholder, partner or
<br />member of the insured; and
<br />(2) Not directly or indirectly related to an
<br />"employee", not to the employment,
<br />prospective employment or termination
<br />of any person or persons by an insured.
<br />d. For purposes of this endorsement, the
<br />following definition is added to SECTION II -
<br />LIABILITY, F. Liability and Medical Expenses
<br />Definitions:
<br />1. "Discrimination" means the unlawful
<br />treatment of individuals based upon race,
<br />color, ethnic origin, gender, religion, age,
<br />or sexual preference. "Discrimination"
<br />does not include the unlawful treatment
<br />of individuals based upon developmental,
<br />physical, cognitive, mental, sensory or
<br />emotional impairment or any
<br />combination of these.
<br />e. This coverage does not apply if liability
<br />coverage for "personal and advertising
<br />injury" is excluded either by the provisions of
<br />the Coverage Form or any endorsement
<br />thereto.
<br />7. Product Recall Expense
<br />a. SECTION II - LIABILITY, B. Exclusions, 1.
<br />Applicable To Business Liability Coverage,
<br />Hanover
<br />Insurance Group..
<br />OBF D681476 5701751
<br />o. Recall of Products, Work or Impaired
<br />Property is replaced by the following:
<br />o. Recall of Products, Work or Impaired
<br />Property
<br />Damages claimed for any loss, cost or
<br />expense incurred by you or others for
<br />the loss of use, withdrawal, recall,
<br />inspection, repair, replacement,
<br />adjustment, removal or disposal of:
<br />(1) "Your product";
<br />(2) "Your work"; or
<br />(3) "Impaired property";
<br />If such product, work or property is
<br />withdrawn or recalled from the market or
<br />from use by any person or organization
<br />because of a known or suspected defect,
<br />deficiency, inadequacy or dangerous
<br />condition in it, but this exclusion does
<br />not apply to "product recall expenses"
<br />that you incur for the "covered recall" of
<br />"your product".
<br />However, the exception to the exclusion
<br />does not apply to "product recall
<br />expenses" resulting from:
<br />(4) Failure of any products to accomplish
<br />their intended purpose;
<br />(5) Breach of warranties of fitness,
<br />quality, durability or performance;
<br />(6) Loss of customer approval, or any
<br />cost incurred to regain customer
<br />approval;
<br />(7) Redistribution or replacement of
<br />"your product" which has been
<br />recalled by like products or
<br />substitutes;
<br />(8) Caprice or whim of the insured;
<br />(9) A condition likely to cause loss of
<br />which any insured knew or had
<br />reason to know at the inception of
<br />this insurance;
<br />(10)Asbestos, including loss, damage or
<br />clean up resulting from asbestos or
<br />asbestos containing materials; or
<br />(11)Recall of "your products" that have
<br />no known or suspected defect solely
<br />because a known or suspected
<br />defect in another of "your products"
<br />has been found.
<br />b. The following is added to SECTION II -
<br />LIABILITY, C. Who Is An Insured, paragraph
<br />3.b.:
<br />"Product recall expense" arising out of any
<br />withdrawal or recall that occurred before you
<br />acquired or formed the organization.
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