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(2)Commission or threat of a dangerous 3.The "terrorism" is carried out by means of the act; ordispersal or application of pathogenic or poisonous biological or chemical materials; or (3)Commission or threat of an act that interferes with or disrupts an electronic, 4.Pathogenic or poisonous biological or chemical communication, information, or materials are released, and it appears that one mechanical system; andpurpose of the "terrorism" was to release such materials; or b.When one or both of the following applies: 5.The total of insured damage to all types of (1)The effect is to intimidate or coerce a property exceeds $25,000,000. In determining government or the civilian population or whether the $25,000,000 threshold is any segment thereof, or to disrupt any exceeded, we will include all insured damage segment of the economy; or sustained by property of all persons and (2)It appears that the intent is to intimidate entities affected by the "terrorism" and or coerce a government, or to further business interruption losses sustained by political, ideological, religious, social or owners or occupants of the damaged property. economic objectives or to express (or For the purpose of this provision, insured express opposition to) a philosophy or damage means damage that is covered by any ideology. insurance plus damage that would be covered by any insurance but for the application of any 2."Any injury or damage" means any injury or terrorism exclusions; or damage covered under any Coverage Part or underlying insurance to which this 6.Fifty or more persons sustain death or serious endorsement is applicable, and includes but is physical injury. For the purposes of this not limited to "bodily injury", "property provision, serious physical injury means: damage", "personal and advertising injury", a.Physical injury that involves a substantial "injury" or "environmental damage" as may be risk of death; or defined in any applicable Coverage Part or underlying insurance.b.Protracted and obvious physical disfigurement; or C.The following exclusion is added: c.Protracted loss of or impairment of the EXCLUSION OF TERRORISM function of a bodily member or organ. We will not pay for "any injury or damage" caused Multiple incidents of "terrorism" which occur within directly or indirectly by "terrorism", including action a 72-hour period and appear to be carried out in in hindering or defending against an actual or concert or to have a related purpose or common expected incident of "terrorism". "Any injury or leadership will be deemed to be one incident, for damage" is excluded regardless of any other the purpose of determining whether the thresholds cause or event that contributes concurrently or in in Paragraphs C.5. or C.6. are exceeded. any sequence to such injury or damage. But this exclusion applies only when one or more of With respect to this Exclusion, Paragraphs C.5. the following are attributed to an incident of andC.6. describe the threshold used to measure "terrorism":the magnitude of an incident of "terrorism" and the circumstances in which the threshold will apply, for 1.The "terrorism" is carried out by means of the the purpose of determining whether this Exclusion dispersal or application of radioactive material, will apply to that incident. When the Exclusion or through the use of a nuclear weapon or applies to an incident of "terrorism", there is no device that involves or produces a nuclear coverage under this Coverage Part. reaction, nuclear radiation or radioactive contamination; orThe terms and limitations of any terrorism exclusion, or the inapplicability or omission of a 2.Radioactive material is released, and it terrorism exclusion, do not serve to create appears that one purpose of the "terrorism" coverage for injury or damage that is otherwise was to release such material; or excluded under this Coverage Part. Page 2 of 2© Insurance Services Office, Inc., 2015 CU 21 44 01 15 INSURED COPY