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HEALTHCARE PROVIDERS <br />GENERAL LIABILITY COVERAGE PART <br />OCCURRENCE <br />THIS IS AN OCCURRENCE COVERAGE PART AND, SUBJECT TO ITS PROVISIONS, APPLIES ONLY TO ANY <br />CLAIM WHICH IS THE RESULT OF INJURY OR DAMAGE THAT OCCURRED ON OR AFTER THE EFFECTIVE <br />DATE OF COVERAGE, AND BEFORE THE EXPIRATION OF THE POLICY PERIOD STATED ON THE <br />CERTIFICATE OF INSURANCE. CLAIM EXPENSES ARE IN ADDITION TO THE LIMIT OF LIABILITY. <br />I. COVERAGE AGREEMENT <br />A. GENERAL LIABILITY <br />Subject to paragraph B below, we will pay all amounts, up to the General Liability limit of liability stated on the <br />certificate of insurance, which you become legally obligated to pay, including host liquor liability and <br />products liability, as a result of injury or damage to which this coverage part applies. We will also pay claim <br />expenses. The injury or damage must be caused by an occurrence that happens anywhere in the world, <br />Including the workplace during the policy period. <br />B. FIRE & WATER LEGAL LIABILITY <br />With respect to the named insured's legal liability for damage to property in which the named insured does <br />not have a financial interest or own, caused by: <br />1, fire; <br />2. discharge, leakage or overflow of water or steam from a plumbing, heating, refrigeration or air conditioning <br />system; or <br />3. rain which enters directly into the building through open doors, windows, skylights, transoms or ventilators; <br />we will pay up to $250,000 provided that the named insured does not assume liability under a contract or <br />agreement greater than is imposed by law. The damage must be caused by an occurrence that happens <br />anywhere in the world, including the workplace, during the policy period. <br />C. PERSONAL LIABILITY <br />Where the named insured is a natural person, we will pay all amounts, up to the Personal Liability limit of <br />liability stated on the certificate of insurance, that the named insured becomes legally obligated to pay for <br />Injury or damage as a result of a personal liability claim. The injury or damage must be caused by an <br />occurrence that happens at named Insured's residence and arises out of named Insured's non -business <br />activities. This coverage shall not apply to damage to property the named insured owns, rents, occupies or <br />uses, or which is in the named insured's care, custody or control. <br />Coverage for personal liability claims will only apply if the named insured is a natural person with no <br />employees. <br />II. DEFENSE AND SETTLEMENT <br />We have the right and duty to defend any claim. We will: <br />A. do this even if any of the charges of the claim are groundless, false or fraudulent; <br />B. investigate and settle any claim as we feel appropriate. <br />Our payment of the limit of liability ends our duty to defend or settle. We have no duty to defend any claims not <br />covered by this Coverage Part. <br />G-121504-C (7/2001) <br />., wnt�+�ugaamro�a <br />' �4} kFteHek&NTewQ58r. _ <br />'7ati iT�lvwaa <br />