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ENV-3147 (10-12)Page 3 of 3
<br />VI. Additional Definitions
<br />The following definitions apply to this Endorsement in addition to definitions set forth elsewhere in this policy:
<br />A. Allocated loss adjustment expense means any:
<br />1.Expenses, costs and interest provided for pursuant to this policy that responds to a loss,claim, suit or
<br />demand; and
<br />2.Other expenses, costs, or interest incurred in connection with the investigation, administration, adjustment,
<br />settlement or defense of any loss,claim,suit or demand arising pursuant to this policy that we directly
<br />allocate to a particular claim, whether or not a payment indemnifying the claimant(s) is made by any person
<br />or entity. Such expenses shall include: subrogation; all court costs, fees and expenses; fees for service of
<br />process; fees and expenses to attorneys for legal services; the cost of services of undercover operations and
<br />detectives; fees to obtain medical cost containment services; the cost of employing experts for the purpose of
<br />preparing maps, photographs, diagrams, or chemical or physical analysis, or for expert advice or opinion; the
<br />cost of obtaining copies of any public records; and the cost of obtaining depositions and court reporters or
<br />recorded statements.
<br />However,allocated loss adjustment expense does not include:
<br />1.The salaries of the employees of any foreign entity or of the insured;
<br />2.Fees, expenses and interest for legal services not provided to or for the benefit of the insured; and
<br />3.Amounts otherwise reimbursed to the insured or foreign entity.
<br />B. Foreign entity means any person or entity which would otherwise qualify as an insured or additional insured as
<br />defined in or identified in any coverage part, endorsement or schedule attached to this policy, but for the fact that
<br />such person or entity is domiciled or its principal place of business is located within a jurisdiction outside of the
<br />United States of America, including its territories and possessions, or Puerto Rico.
<br />C. Foreign loss means:
<br />1.Damages or other amounts to which this insurance applies, that an insured has incurred or becomes legally
<br />obligated to pay within a jurisdiction outside of the United States of America, including its territories and
<br />possessions, or Puerto Rico, as the result of injury, damage,loss, or liability to which this insurance would
<br />apply if the foreign occurrence had taken place within the United States of America, including its territories
<br />and possessions, or Puerto Rico; and
<br />2.Any reasonable and necessary expenses or costs incurred by the insured to which this insurance would apply
<br />if we defended the claim or suit,
<br />which have not been paid, indemnified or reimbursed pursuant to any other insurance.
<br />D. Foreign entity loss means:
<br />1.Damages, or other amounts to which this insurance applies, that a foreign entity has incurred or becomes
<br />legally obligated to pay because of injury, damage,loss, or liability to which this insurance would apply if the
<br />insured were directly liable for such amounts with respect to covered exposures located within the United
<br />States of America, including its territories and possessions, or Puerto Rico; and
<br />2.Any reasonable and necessary expenses or costs incurred by a foreign entity to which this insurance would
<br />apply if we defended the claim or suit,
<br />which have not been paid, indemnified or reimbursed pursuant to any other insurance.
<br />E. Foreign occurrence means an accident,occurrence,pollution condition,loss, act, error or omission (as any
<br />of these terms may be defined in the applicable coverage parts), which may result in a foreign loss or foreign
<br />entity loss.
<br />All other terms and conditions of this policy remain unchanged.
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