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CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 15 of 16
<br />However, self-propelled vehicles with the
<br />following types of permanently attached
<br />equipment are not "mobile equipment" but will
<br />be considered "autos":
<br />(1)Equipment designed primarily for:
<br />(a)Snow removal;
<br />(b)Road maintenance, but not
<br />construction or resurfacing; or
<br />(c)Street cleaning;
<br />(2)Cherry pickers and similar devices
<br />mounted on automobile or truck chassis
<br />and used to raise or lower workers; and
<br />(3)Air compressors, pumps and generators,
<br />including spraying, welding, building
<br />cleaning, geophysical exploration, lighting
<br />and well servicing equipment.
<br />However, "mobile equipment" does not include
<br />any land vehicles that are subject to a
<br />compulsory or financial responsibility law or other
<br />motor vehicle insurance law where it is licensed
<br />or principally garaged. Land vehicles subject to a
<br />compulsory or financial responsibility law or other
<br />motor vehicle insurance law are considered
<br />"autos".
<br />13."Occurrence" means an accident, including
<br />continuous or repeated exposure to substantially
<br />the same general harmful conditions.
<br />14."Personal and advertising injury" means injury,
<br />including consequential "bodily injury", arising out
<br />of one or more of the following offenses:
<br />a.False arrest, detention or imprisonment;
<br />b.Malicious prosecution;
<br />c.The wrongful eviction from, wrongful entry
<br />into, or invasion of the right of private
<br />occupancy of a room, dwelling or premises
<br />that a person occupies, committed by or on
<br />behalf of its owner, landlord or lessor;
<br />d.Oral or written publication, in any manner, of
<br />material that slanders or libels a person or
<br />organization or disparages a person's or
<br />organization's goods, products or services;
<br />e.Oral or written publication, in any manner, of
<br />material that violates a person's right of
<br />privacy;
<br />f.The use of another's advertising idea in your
<br />"advertisement"; or
<br />g.Infringing upon another's copyright, trade
<br />dress or slogan in your "advertisement".
<br />15."Pollutants" mean any solid, liquid, gaseous or
<br />thermal irritant or contaminant, including smoke,
<br />vapor, soot, fumes, acids, alkalis, chemicals and
<br />waste. Waste includes materials to be recycled,
<br />reconditioned or reclaimed.
<br />16."Products-completed operations hazard":
<br />a.Includes all "bodily injury" and "property
<br />damage" occurring away from premises you
<br />own or rent and arising out of "your product"
<br />or "your work" except:
<br />(1)Products that are still in your physical
<br />possession; or
<br />(2)Work that has not yet been completed or
<br />abandoned. However, "your work" will be
<br />deemed completed at the earliest of the
<br />following times:
<br />(a)When all of the work called for in your
<br />contract has been completed.
<br />(b)When all of the work to be done at the
<br />job site has been completed if your
<br />contract calls for work at more than
<br />one job site.
<br />(c)When that part of the work done at a
<br />job site has been put to its intended
<br />use by any person or organization
<br />other than another contractor or
<br />subcontractor working on the same
<br />project.
<br />Work that may need service,
<br />maintenance, correction, repair or
<br />replacement, but which is otherwise
<br />complete, will be treated as completed.
<br />b.Does not include "bodily injury" or "property
<br />damage" arising out of:
<br />(1)The transportation of property, unless the
<br />injury or damage arises out of a condition
<br />in or on a vehicle not owned or operated
<br />by you, and that condition was created by
<br />the "loading or unloading" of that vehicle
<br />by any insured;
<br />(2)The existence of tools, uninstalled
<br />equipment or abandoned or unused
<br />materials; or
<br />(3)Products or operations for which the
<br />classification, listed in the Declarations or
<br />in a policy Schedule, states that products-
<br />completed operations are subject to the
<br />General Aggregate Limit.
<br />17."Property damage" means:
<br />a.Physical injury to tangible property, including
<br />all resulting loss of use of that property. All
<br />such loss of use shall be deemed to occur at
<br />the time of the physical injury that caused it;
<br />or
<br />b.Loss of use of tangible property that is not
<br />physically injured. All such loss of use shall
<br />be deemed to occur at the time of the
<br />"occurrence" that caused it.
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