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C. Coverages 2} Occurred prior to the 1. Employee Benefit Liability Coverage "first effective date" of a. The following is added to Section I - this endorsement pro - vided: Coverages: a) You did not have Employee Benefit Liability Cover- tY knowledge of a age claim or "suit" on or (1) Insuring Agreement before the "first ef- fective date" of this (a) We will pay those sums that endorsement. the insured becomes legally You will be obligated to pay as damag- deemed to have es caused by any act, error knowledge of a or omission of the insured, or of any other person for claim or "suit' whose acts the insured is when any "author - legally liable, to which this ized representa- insurance applies. We will tive'; have the right and duty to 1) Reports all, or defend the insured against any part, of the any "suit' seeking those act, error or damages. However, we will omission to us have no duty to defend or any other against any "suit' seeking insurer; damages to which this in- surance does not apply. We 11) Receives a may, at our discretion, in- written or ver- vestigate any report of an bal demand or act, error or omission and claim for dam - settle any claim or "suit' that ages because may result. But: of the act, er- The amount we will a ) pay ror1 or orris- Sion; and for damages is limited as described in Section b) There is no other HI - Limits Of Insur- applicable insur- ance; and ante. 2) Our right and duty to (2) Exclusions defend ends when we have used up the appli- This insurance does not apply to: cable limit of insurance (a) Bodily Injury, Property in the payment of judg- Damage Or Personal And ments or settlements. Advertising Injury No other obligation or liabil- 'Bodily injury", "property ity to pay sums or perform damage" or "personal and acts or services is covered advertising injury". unless explicitly provided for under Supplementary (b) Dishonest, Fraudulent, Payments. Criminal Or Malicious Act (b) This insurance applies to Damages arising out of any damages only if the act, er- intentional, dishonest, ror or omission, is negligent- fraudulent, criminal or mali- ly committed in the "admin- cious act, error or omission, istration" of your "employee committed by any insured, benefit program"; and including the willful or reck- 1) Occurs during the policy less violation of any statute. period; or Includes copyrighted material of Insurance eww &APPRmSr GA 227 0917 Services Office, Inc., with its permission. Poa