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Philadelphia Indemnity Insurance Company <br />PI-GLD-VS (05/17) <br />"Personal Injury" also means discrimination based on race, color, religion, sex, age or national <br />origin, except when: <br />a. Done intentionally by or at the direction of, or with the knowledge or consent of: <br />(1) Any insured; or <br />(2) Any executive officer, director, stockholder, partner or member of the insured; or <br />b. Directly or indirectly related to the employment, former or prospective employment, <br />termination of employment, or application for employment of any person or persons by an <br />insured; or <br />c. Directly or indirectly related to the sale, rental, lease or sublease or prospective sales, rental, <br />lease or sub -lease of any room, dwelling or premises by or at the direction of any insured; or <br />d. Insurance for such discrimination is prohibited by or held in violation of law, public policy, <br />legislation, court decision or administrative ruling. <br />The above does not apply to fines or penalties imposed because of discrimination. <br />P. Transfer of Rights of Recovery Against Others To Us <br />As a clarification, the following is added to SECTION IV — COMMERCIAL GENERAL LIABILITY <br />CONDITIONS, Subsection 8. Transfer of Rights of Recovery Against Others To Us: <br />Therefore, the insured can waive the insurer's Rights of Recovery prior to the occurrence of a loss, <br />provided the waiver is made in a written contract. <br />Q. Science Laboratory "Occurrence' <br />SECTION I — COVERAGE, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE <br />LIABILITY, Subsection 2. Exclusions, Paragraph f. does not apply to any "bodily injury" or "physical <br />damage" arising out of a fire or "occurrence" in any of your science laboratories while teaching is being <br />conducted in that laboratory, subject to a $50,000 per policy limit. <br />R. Medical Incident Liability -Nurse and Athletic Trainer <br />1. SECTION II — WHO IS AN INSURED, Subparagraph 2.a. (1) (d) is deleted and replaced by the <br />following: <br />(d) Arising out of his or her providing or failing to provide professional medical services. This <br />paragraph does not apply to a registered or practical nurse or athletic trainer, while acting within <br />the scope of his or her duties for the Named Insured and arising out of a "medical incident'. <br />2. SECTION V —DEFINITIONS, 13. is deleted and replaced by the following: <br />"Occurrence" means an accident, including continuous or repeated exposure to substantially the <br />same general harmful conditions, and "medical incident'. <br />3. The following definition is added to SECTION V — DEFINITIONS: <br />"Medical Incident" means any act or omission in the furnishing or failure to furnish professional <br />medical services by the insured or any person acting under the personal direction, control, or <br />supervision of the insured. Any such act or omission together with all related acts or omissions in <br />the furnishing of such services to any one person shall be considered one "medical incident". <br />"Medical incident" does not include any actual, alleged or threatened emotional, physical, or sexual <br />abuse of any patient or professional medical services recipient. <br />PI-GLD-VS (05/17) <br />Page 9 of 9 <br />Includes copyrighted material of Insurance Services Office, Inc., with its pe <br />RiskMaugementDMsfon <br />Rentwm 6 APPRov® By. <br />�'. <br />® Risk Management Anatys[ <br />