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It is understood and agreed that for the purposes of this Endorsement the following definition shall apply.
<br />A. ADDITIONAL INSURED means:
<br />1. Any person or entity specifically endorsed onto this Policy as an ADDITIONAL INSURED. If any,
<br />such ADDITIONAL INSURED shall maintain only those rights pursuant to this Policy as are
<br />specified by endorsement; or
<br />2. Any person or organization the NAMED INSURED is required to name as an additional insured in
<br />a written contract or agreement, but only with respect to "your work," YOUR SERVICES or
<br />PROFESSIONAL SERVICES performed by or on behalf of the NAMED INSURED for that
<br />person or organization. However, such persons or organizations are covered only with respect to
<br />"bodily injury," "property damage," "personal and advertising injury," or LOSS arising out of "your
<br />work," YOUR SERVICES or PROFESSIONAL SERVICES and are not covered for any "bodily
<br />injury," "property damage," "personal and advertising injury," or LOSS arising out of the person's
<br />or organization's own liability.
<br />C. EXCLUSIONS
<br />There is no coverage whatsoever under this Policy for any of the following. We will also have no duty to defend the insured
<br />against any suit seeking damages to which this insurance does not apply.
<br />1. Cross Suits
<br />Any liability or obligation from any CLAIM initiated, alleged or caused to be brought about by a NAMED
<br />INSURED or INSURED against any other NAMED INSURED or INSURED. This exclusion shall not apply
<br />to CLAIMS brought by any person(s) or organization(s) whom you agree, in a written contract, to name as an
<br />ADDITIONAL INSURED.
<br />2. Prior Knowledge, Expected or Intended Injury
<br />BODILY INJURY, PROPERTY DAMAGE, ENVIRONMENTAL DAMAGE or POLLUTION
<br />CONDITIONS expected or intended, should have been known by, or could have reasonably been expected by
<br />any RESPONSIBLE INSURED, to give rise to a CLAIM. This exclusion shall not apply to BODILY INJURY
<br />resulting from the use of reasonable force to protect persons or property.
<br />3. Intentional Acts
<br />BODILY INJURY, PROPERTY DAMAGE or ENVIRONMENTAL DAMAGE based upon or arising from
<br />any acts of an INSURED which are based upon or otherwise attributed to the INSURED'S intentional, willful,
<br />dishonest, fraudulent, malicious, deliberate or knowingly wrongful act, including but not limited to such
<br />behavior or non-compliance with any statute, regulation, ordinance, administrative complaint, notice of
<br />violation, notice letter, executive order, or instruction of any governmental agency or body prior to or after
<br />inception of this Policy, including but not limited to an intentional discharge, seepage, disposal, dispersal,
<br />migration, release of any substance that could cause a POLLUTION CONDITION, committed by or at the
<br />direction of a RESPONSIBLE INSURED.
<br />This exclusion does not apply to a RESPONSIBLE INSURED that did not commit, participate in, or have
<br />knowledge of such an act.
<br />4. Workers' Compensation
<br />Any liability or obligation of any INSURED under any workers compensation, disability benefits,
<br />unemployment compensation, employee benefits, pension sharing, ERISA law or any similar federal, state or
<br />local law and any amendments thereto.
<br />5. Employment Practices Liability
<br />INJURY OR DAMAGE to:
<br />a. A person arising out of any:
<br />(1) Refusal to employ that person;
<br />(2) Termination of that person's employment; or
<br />(3) Employment -related practices, policies, acts or omissions, such as coercioi
<br />reassignment, discipline, defamation, harassment, humiliation, discriminati
<br />directed at that person; or
<br />"Mowgement Division
<br />ry �s REVIEWED&APPROVED BY.
<br />®'
<br />Risk Management SpeaAst
<br />or
<br />VP E 201(2/19) Page 2 of 9 © 2019 Virtue Risk Partners, LLC
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