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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 construction
<br />or resurfacing; or
<br />(c) Street cleaning;
<br />(2) Cherry pickers and similar devices mounted
<br />on automobile or truck chassis and used to
<br />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 compulsory
<br />or financial responsibility law or other motor
<br />vehicle insurance law where it is licensed or
<br />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 into,
<br />or invasion of the right of private occupancy of
<br />a room, dwelling or premises that a person
<br />occupies, committed by or on behalf of its
<br />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 />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" or
<br />"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 one
<br />job site.
<br />(c) When that part of the work done at a job
<br />site has been put to its intended use by
<br />any person or organization other than
<br />another contractor or subcontractor
<br />working on the same project.
<br />Work that may need service, maintenance,
<br />correction, repair or replacement, but which
<br />is otherwise complete, will be treated as
<br />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 in
<br />or on a vehicle not owned or operated by
<br />you, and that condition was created by the
<br />"loading or unloading" of that vehicle by any
<br />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 in
<br />a policy Schedule, states that products -
<br />completed operations are subject to the
<br />General Aggregate Limit.
<br />e. Oral or written publication, in any manner, of 17."Property damage" means:
<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 dress
<br />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 />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; or
<br />b. Loss of use of tangible property that is not
<br />physically injured. All such loss of use shall be
<br />deemed to occur at the time of the
<br />"occurrence" that caused it.
<br />For the purposes of this
<br />is not tangible property.
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<br />Risk Management speaalist
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