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b. If the bodily injury is covered by underlying insurance. Coverage under this policy will be no broader than that provided by underlying insurance. 13. Employment-Related Practices a. Any liability arising out of: (1) Refusal to employ a person; (2) Termination of a person's employment; or (3) Employment-related practices, policies, acts or omissions, such as coercion, demotion, failure to promote, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination, or malicious prosecution directed at a person; or b. Consequential bodily injury or personal and advertising injury to the spouse, child, parent, brother or sister of that person at whom any of the employment-related practices described in Paragraph a. above is directed. This exclusion applies: a. Whether the injury-causing event described in Paragraph a. above occurs before employment, during employment or after employment of a person; b. Whether the insured may be liable as an employer or in any other capacity; and c. To any obligation to share damages with or repay someone else who must pay damages because of the injury. 14. Expected or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. 15. Fungi or Bacteria Any liability arising out of or related in any way to fungi or bacteria, the exposure to fungi or bacteria, or any claims arising from fungi or bacteria. This includes but is not limited to: a. Injury or damage which would not have occurred, in whole or in part, but for the actual,alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence or presence of any fungi or bacteria on or within a building or structure, including its contents, regardless of whether any other cause, event, material or product contributed concurrently or in any sequence to such injury or damage; or b. Any loss, cost or expenses arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of fungi or bacteria, by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are on, or are contained in, a good or product intended for human or animal consumption. 16. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of: a. Causing or contributing to the intoxication of any person; LCU 00 01 01 18 ©2017 Liberty Mutual Insurance Page 9 of 24 Includes copyrighted material of Insurance Services Office, Inc., with its permission.