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Philadelphia Indemnity Insurance Company <br /> PI-GLD-VS (05/17) <br /> "Personal Injury" also means discrimination based on race, color, religion, sex, age or national <br /> origin, except when: <br /> a. Done intentionally by or at the direction of, or with the knowledge or consent of: <br /> (1)Any insured; or <br /> (2)Any executive officer, director, stockholder, partner or member of the insured; or <br /> b. Directly or indirectly related to the employment, former or prospective employment, <br /> termination of employment, or application for employment of any person or persons by an <br /> insured; or <br /> c. Directly or indirectly related to the sale, rental, lease or sublease or prospective sales, rental, <br /> lease or sub-lease of any room, dwelling or premises by or at the direction of any insured; or <br /> d. Insurance for such discrimination is prohibited by or held in violation of law, public policy, <br /> legislation, court decision or administrative ruling. <br /> The above does not apply to fines or penalties imposed because of discrimination. <br /> P. Transfer of Rights of Recovery Against Others To Us <br /> As a clarification, the following is added to SECTION IV—COMMERCIAL GENERAL LIABILITY <br /> CONDITIONS, Subsection 8. Transfer of Rights of Recovery Against Others To Us: <br /> Therefore, the insured can waive the insurer's Rights of Recovery prior to the occurrence of a loss, <br /> provided the waiver is made in a written contract. <br /> Q. Science Laboratory "Occurrence" <br /> SECTION I—COVERAGE, COVERAGE A BODILY INJURY AND PROPERTY DAMAGE <br /> LIABILITY, Subsection 2. Exclusions, Paragraph f. does not apply to any"bodily injury" or"physical <br /> damage" arising out of a fire or"occurrence" in any of your science laboratories while teaching is being <br /> conducted in that laboratory, subject to a $50,000 per policy limit. <br /> R. Medical Incident Liability-Nurse and Athletic Trainer <br /> 1. SECTION II —WHO IS AN INSURED, Subparagraph 2.a. (1) (d) is deleted and replaced by the <br /> following: <br /> (d)Arising out of his or her providing or failing to provide professional medical services. This <br /> paragraph does not apply to a registered or practical nurse or athletic trainer, while acting within <br /> the scope of his or her duties for the Named Insured and arising out of a"medical incident". <br /> 2. SECTION V—DEFINITIONS, 13. is deleted and replaced by the following: <br /> "Occurrence" means an accident, including continuous or repeated exposure to substantially the <br /> same general harmful conditions, and "medical incident". <br /> 3. The following definition is added to SECTION V—DEFINITIONS: <br /> "Medical Incident" means any act or omission in the furnishing or failure to furnish professional <br /> medical services by the insured or any person acting under the personal direction, control, or <br /> supervision of the insured. Any such act or omission together with all related acts or omissions in <br /> the furnishing of such services to any one person shall be considered one"medical incident". <br /> "Medical incident"does not include any actual, alleged or threatened emotional, physical, or sexual <br /> abuse of any patient or professional medical services recipient. J <br /> ate. f Riak Management Division. <br /> REVIEWED&APPROVED By: <br /> PI-GLD-VS (05/17) od o' A A oat, <br /> Page 9 of 9 Risk Management Specialist <br /> Includes copyrighted material of Insurance Services Office, Inc., with its p,/ <br />