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(4) Any federal, state or local statute, 2. Exclusions ordinance or regulation, other than the This insurance does not apply to: TCPA, CAN-SPAM Act of 2003 or FCRA a. Knowing Violation Of Rights Of Another and their amendments and additions, that addresses, prohibits, or limits the printing, "Personal and advertising injury" caused by or dissemination, disposal, collecting, at the direction of the insured with the recording, sending, transmitting, knowledge that the act would violate the rights communicating or distribution of material or of another and would inflict "personal and information. advertising injury". Exclusions c. through n. do not apply to damage b. Material Published With Knowledge Of by fire to premises while rented to you or Falsity temporarily occupied by you with permission of the "Personal and advertising injury" arising out of owner. A separate limit of insurance applies to this oral or written publication, in any manner, of coverage as described in Section III – Limits Of material, if done by or at the direction of the Insurance. insured with knowledge of its falsity. COVERAGE B – PERSONAL AND ADVERTISING c. Material Published Prior To Policy Period INJURY LIABILITY "Personal and advertising injury" arising out of 1. Insuring Agreement oral or written publication, in any manner, of a. We will pay those sums that the insured material whose first publication took place becomes legally obligated to pay as damages before the beginning of the policy period. because of "personal and advertising injury" to d. Criminal Acts which this insurance applies. We will have the "Personal and advertising injury" arising out of right and duty to defend the insured against a criminal act committed by or at the direction any "suit" seeking those damages. However, of the insured. we will have no duty to defend the insured against any "suit" seeking damages for e. Contractual Liability "personal and advertising injury" to which this "Personal and advertising injury" for which the insurance does not apply. We may, at our insured has assumed liability in a contract or discretion, investigate any offense and settle agreement. This exclusion does not apply to any claim or "suit" that may result. But: liability for damages that the insured would (1) The amount we will pay for damages is have in the absence of the contract or limited as described in Section III – Limits agreement. Of Insurance; and f. Breach Of Contract (2) Our right and duty to defend end when we "Personal and advertising injury" arising out of have used up the applicable limit of a breach of contract, except an implied insurance in the payment of judgments or contract to use another's advertising idea in settlements under Coverages A or B or your "advertisement". medical expenses under Coverage C. g. Quality Or Performance Of Goods – Failure No other obligation or liability to pay sums or To Conform To Statements perform acts or services is covered unless "Personal and advertising injury" arising out of explicitly provided for under Supplementary the failure of goods, products or services to Payments – Coverages A and B. conform with any statement of quality or b. This insurance applies to "personal and performance made in your "advertisement". advertising injury" caused by an offense arising h. Wrong Description Of Prices out of your business but only if the offense was committed in the "coverage territory" during the "Personal and advertising injury" arising out of policy period. the wrong description of the price of goods, products or services stated in your "advertisement". Page 6 of 16 © Insurance Services Office, Inc.,2012 CG 00 01 04 13