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6HJF <br />Obnfe!Jotvsfe;!Ivjuu.\[pmmbst-!Jod/ <br />UMBRELLALIABILITYPOLICYPROVISIONS <br />Inthispolicythewords"you"and"your"refertothe <br />the"bodilyinjury"or"propertydamage" <br />NamedInsuredfirstshownintheDeclarationsand <br />occurred,thenanycontinuation,change <br />anyotherpersonororganizationqualifyingasa <br />orresumptionofsuch"bodilyinjury"or <br />NamedInsuredunderthispolicy."We","us"and <br />"propertydamage"duringorafterthe <br />"our"refertothestockinsurancecompanymember <br />"policyperiod"willbedeemedtohave <br />ofTheHartfordFinancialServicesGroupInc.shown <br />beenknownpriortothe"policyperiod". <br />intheDeclarations. <br />3."Bodilyinjury"or"propertydamage"willbe <br />Otherwordsandphrasesthatappearinquotation <br />deemedtohavebeenknowntohave <br />marksalsohavespecialmeaning.Referto <br />occurredattheearliesttimewhenany <br />DEFINITIONS(SectionVII).insuredlistedunderparagraph A.ofSection <br />IIIÎWhoIsAnInsuredorany"employee" <br />INRETURNFORTHEPAYMENTOFTHE <br />authorizedbyyoutogiveorreceivenotice <br />PREMIUM,inrelianceuponthestatementsinthe <br />ofan"occurrence"orclaim: <br />Declarationsmadeaparthereofandsubjecttoallof <br />thetermsofthispolicy,weagreewithyouas <br />a.Reportsall,oranypart,ofthe"bodily <br />follows: <br />injury"or"propertydamage"tousorany <br />otherinsurer; <br />SECTIONI-COVERAGES <br />b.Receivesawrittenorverbaldemandor <br />INSURINGAGREEMENTS <br />claimfordamagesbecauseofthe <br />A.UmbrellaLiabilityInsurance <br />"bodilyinjury"or"propertydamage";or <br />1.Wewillpaythosesumsthatthe"insured" <br />c.Becomesawarebyanyothermeans <br />becomeslegallyobligatedtopayas <br />that"bodilyinjury"or"propertydamage" <br />"damages"inexcessofthe"underlying <br />hasoccurredorhasbeguntooccur. <br />insurance"orofthe"self-insuredretention" <br />B.Exclusions <br />whenno"underlyinginsurance"applies, <br />becauseof"bodilyinjury","property <br />Thispolicydoesnotapplyto: <br />damage"or"personalandadvertisinginjury" <br />1.Pollution <br />towhichthisinsuranceappliescausedbyan <br />Anyobligation: <br />"occurrence".But,theamountwewillpay <br />a.Topayforthecostofinvestigation, <br />as"damages"islimitedasdescribedin <br />defenseorsettlementofanyclaimor <br />SectionIVÎLIMITSOFINSURANCE. <br />suitagainstany"insured"allegingactual <br />Nootherobligationorliabilitytopaysumsor <br />orthreatenedinjuryordamageofany <br />performactsorservicesiscoveredunless <br />natureorkindtopersonsorproperty <br />explicitlyprovidedforunder SectionII- <br />whicharisesoutoforwouldnothave <br />INVESTIGATION,DEFENSE, <br />occurredbutforthepollutionhazard;or <br />SETTLEMENT. <br />b.Topayany"damages",judgments, <br />2.Thisinsuranceappliesto"bodilyinjury", <br />settlements,loss,costsorexpenses <br />"propertydamage"or"personaland <br />thatmaybeawardedorincurred: <br />advertisinginjury"onlyif: <br />i.Byreasonofanysuchclaimorsuit <br />a.The"bodilyinjury","propertydamage"or <br />oranysuchinjuryordamage;or <br />"personalandadvertisinginjury"occurs <br />ii.Incomplyingwithanyaction <br />duringthe"policyperiod";and <br />authorizedbylawandrelatingto <br />b.Priortothe"policyperiod",noinsured <br />suchinjuryordamage. <br />listedunderParagraph A.ofSection III Î <br />Asusedinthisexclusion,pollution <br />WhoIsAnInsuredandno"employee" <br />hazardmeansanactualexposureor <br />authorizedbyyoutogiveorreceivenotice <br />threatofexposuretothecorrosive,toxic <br />ofan"occurrence"orclaim,knewthatthe <br />orotherharmfulpropertiesofanysolid, <br />"bodilyinjury"or"propertydamage"had <br />liquid,gaseousorthermal: <br />occurred,inwholeorinpart.Ifsucha <br />listedinsuredorauthorized"employee" <br />a.Pollutants; <br />knew,priortothe"policyperiod",that <br />b.Contaminants; <br />FormXL00030916Page1of14 <br />©2016,TheHartford <br /> <br />