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COMMERCIAL GENERAL LIABILITY CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. (2) The "bodily injury" or "property damage" Read the entire policy carefully to determine rights, occurs during the policy period; and duties and what is and is not covered. (3) Prior to the policy period, no insured listed Throughout this policy the words "you" and "your" under Paragraph 1. of Section II – Who Is refer to the Named Insured shown in the Declarations, An Insured and no "employee" authorized and any other person or organization qualifying as a by you to give or receive notice of an Named Insured under this policy. The words "we", "occurrence" or claim, knew that the "bodily "us" and "our" refer to the company providing this injury" or "property damage" had occurred, insurance. in whole or in part. If such a listed insured or authorized "employee" knew, prior to the The word "insured" means any person or organization policy period, that the "bodily injury" or qualifying as such under Section II – Who Is An "property damage" occurred, then any Insured. continuation, change or resumption of such Other words and phrases that appear in quotation "bodily injury" or "property damage" during marks have special meaning. Refer to Section V – or after the policy period will be deemed to Definitions. have been known prior to the policy period. SECTION I – COVERAGES c. "Bodily injury" or "property damage" which occurs during the policy period and was not, COVERAGE A – BODILY INJURY AND PROPERTY prior to the policy period, known to have DAMAGE LIABILITY occurred by any insured listed under 1. Insuring Agreement Paragraph 1. of Section II – Who Is An Insured a. We will pay those sums that the insured or any "employee" authorized by you to give or becomes legally obligated to pay as damages receive notice of an "occurrence" or claim, because of "bodily injury" or "property damage" includes any continuation, change or to which this insurance applies. We will have resumption of that "bodily injury" or "property the right and duty to defend the insured against damage" after the end of the policy period. any "suit" seeking those damages. However, d. "Bodily injury" or "property damage" will be we will have no duty to defend the insured deemed to have been known to have occurred against any "suit" seeking damages for "bodily at the earliest time when any insured listed injury" or "property damage" to which this under Paragraph 1. of Section II – Who Is An insurance does not apply. We may, at our Insured or any "employee" authorized by you to discretion, investigate any "occurrence" and give or receive notice of an "occurrence" or settle any claim or "suit" that may result. But: claim: (1) The amount we will pay for damages is (1) Reports all, or any part, of the "bodily injury" limited as described in Section III – Limits or "property damage" to us or any other Of Insurance; and insurer; (2) Our right and duty to defend ends when we (2) Receives a written or verbal demand or have used up the applicable limit of claim for damages because of the "bodily insurance in the payment of judgments or injury" or "property damage"; or settlements under Coverages A or B or (3) Becomes aware by any other means that medical expenses under Coverage C. "bodily injury" or "property damage" has No other obligation or liability to pay sums or occurred or has begun to occur. perform acts or services is covered unless e. Damages because of "bodily injury" include explicitly provided for under Supplementary damages claimed by any person or Payments – Coverages A and B. organization for care, loss of services or death b. This insurance applies to "bodily injury" and resulting at any time from the "bodily injury". "property damage" only if: (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; CG 00 01 04 13 © Insurance Services Office, Inc.,2012 Page 1of 16