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If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under <br />this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total <br />applicable limits of insurance of all insurers. <br />7. Transfer Of Rights Of Recovery Against Others To Us <br />a. Transfer Of Rights Of Recovery <br />If the insured has rights to recover all or part of any payment, including Supplementary Payments, we have <br />made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to <br />impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce <br />them. This condition does not apply to Medical Expenses Coverage. <br />b. Waiver Of Rights Of Recovery (Waiver Of Subrogation) <br />If the insured has waived any rights of recovery against any person or organization for all or part of any <br />payment, including Supplementary Payments, we have made under this Coverage Part, we also waive that <br />right, provided the insured waived their rights of recovery against such person or organization in a contract, <br />agreement or permit that was executed prior to the injury or damage. <br />F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS <br />1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments <br />about your goods, products or services for the purpose of attracting customers or supporters. For the purpose of <br />this definition: <br />a. Notices that are published include material placed on the Internet or on similar electronic means of <br />communication; and <br />b. Regarding web sites, only that part of a web site that is about your goods, products or services for the <br />purpose of attracting customers or supporters is considered an advertisement. <br />2. "Advertising idea" means any idea for an "advertisement". <br />3. "Asbestos hazard" means an exposure or threat of exposure to the actual or alleged properties of asbestos and <br />includes the mere presence of asbestos in any form. <br />4. "Auto" means: <br />a. A land motor vehicle, trailer or semi -trailer designed for travel on public roads, including any attached <br />machinery or equipment; or <br />b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle <br />insurance or motor vehicle registration law where it is licensed or principally garaged. <br />However, "auto" does not include "mobile equipment". <br />5. "Bodily injury" means physical: <br />a. Injury; <br />b. Sickness; or <br />c. Disease <br />sustained by a person and, if arising out of the above, mental anguish or death at any time. <br />6. "Coverage territory" means: <br />a. The United States of America (including its territories and possessions), Puerto Rico and Canada; <br />b. International waters or airspace, but only if the injury or damage occurs in the course of travel or <br />transportation between any places included in a. above; <br />c. All other parts of the world if the injury or damage arises out of: <br />(1) Goods or products made or sold by you in the territory described in a. above; <br />(2) The activities of a person whose home is in the territory described in a. above, but is away for a short time <br />on your business; or <br />oR,N a RiskMougmumtDMsian <br />Form SL 00 00 10 18f RemeWED&APPROVED BY. <br />© 2018, The Hartford Afg Aezv <br />(May include copyrighted material of Insurance Services Office, Inc., with its F — --- Ri5kManagement Specialist <br />