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UMBRELLA includes any continuation, change or Management Service Expenses Limit has resumption of the "bodily injury" or "property been exhausted, whichever occurs first. damage" after the end of the policy period. 4. The amount we will pay for "crisis management service expenses" is limited as 6."Bodily injury" or "property damage" will be described in SECTION Ill - LIMITS OF deemed to have been known to have occurred INSURANCE. at the earliest time when any insured listed under Paragraph 1. in Paragraph B., 5. A "self-insured retention" does not apply to COVERAGE B - UMBRELLA LIABILITY, of "crisis management service expenses". SECTION II - WHO IS AN INSURED or any 6. Any payment of "crisis management service "employee" authorized by you to give or receive expenses" that we make will not be notice of an "occurrence" or claim: determinative of our obligations under this a. Reports all, or any part, of the "bodily injury" insurance with respect to any claim or "suit" or or "property damage" to us or any other create any duty to defend or indemnify any insurer; insured for any claim or "suit". b.Receives a written or verbal demand or D. DEFENSE AND SUPPLEMENTARY PAYMENTS claim for damages because of the "bodily 1. We will have the right and duty to defend the injury" or "property damage"; or insured: c. Becomes aware by any other means that a. Under Coverage A, against a "suit" the "bodily injury" or "property damage" has seeking damages to which such coverage occurred or has begun to occur. applies, if: 7. Damages because of "bodily injury" include (1) The "applicable underlying limit" is the damages claimed by any person or applicable limit of insurance stated for organization for care, loss of services or death a policy of "underlying insurance" in resulting at any time from the "bodily injury". the Schedule Of Underlying 8. Coverage B of this insurance does not apply to Insurance and such limit has been damages covered by any "underlying exhausted solely due to payments as permitted in Paragraphs 4.a.(1), (2) insurance" or that would have been covered by and (3) of COVERAGE A - EXCESS any "underlying insurance" but for the FOLLOW-FORM LIABILITY of exhaustion of its applicable limit of insurance. SECTION I - COVERAGES; or C. COVERAGE C - CRISIS MANAGEMENT (2) The "applicable underlying limit" is the SERVICE EXPENSES applicable limit of any "other 1. We will reimburse the insured, or pay on the insurance" and such limit has been insured's behalf, "crisis management service exhausted by payments of judgments, expenses" to which Coverage C applies. settlements or medical expenses, or 2.Coverage C of this insurance applies to "crisis related costs or expenses (if such management service expenses" that: costs or expenses reduce such limits). a. Arise out of a "crisis management event" that first commences during the policy For any "suit" for which we have the right period; and duty to defend the insured under Coverage A, defense expenses will be b. Are incurred by the insured, after a "crisis within the limits of insurance of this policy management event" first commences and when such expenses are within the limits before such event ends; and of insurance of the applicable "underlying c. Are submitted to us within 180 days after insurance"; or the "crisis management advisor" advises b. Under Coverage B, against a "suit" you that the "crisis management event" no seeking damages to which such coverage longer exists. applies. 3. A "crisis management event" will be deemed to: 2.We have no duty to defend any insured a. First commence at the time when any against any "suit": "executive officer" first becomes aware of a. Seeking damages to which this insurance an "event" or "occurrence" that leads to that does not apply; or "crisis management event"; and b.If any other insurer has a duty to defend. b. End when we decide that the crisis no longer exists or when the Crisis EU 00 010716© 2016 TheTravelers Indemnity Company. Allrights reserved. Page3 of22