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UMBRELLA execution of that contract or agreement by such SECTION VI - DEFINITIONS insured. A. With respect to all coverages of this insurance: 2.Reimbursement of any amount recovered will 1. "Applicable underlying limit" means the sum of: be made in the following order: a.The applicable limit of insurance stated a. First, to any person or organization for the policies of "underlying insurance" (including us or the insured) who has paid in the Schedule Of Underlying Insurance any amount in excess of the applicable limit subject to the provisions in Paragraphs of insurance; 4.a.(1), (2) and (3) of COVERAGE A - b.Next, to us; and EXCESS FOLLOW-FORM LIABILITY of SECTION I - COVERAGES; and c. Then, to any person or organization (including the insured and with respect to b. The applicable limit of insurance of any Coverage A, the "underlying insurer") that "other insurance" that applies. is entitled to claim the remainder, if any. The limits of insurance in any policy of 3. Expenses incurred in the process of recovery "underlying insurance" will apply even if: will be divided among all persons or a. The "underlying insurer" claims the organizations receiving amounts recovered insured failed to comply with any term or according to the ratio of their respective condition of the policy; or recoveries. b. The "underlying insurer" becomes U. TRANSFER OF YOUR RIGHTS AND DUTIES bankrupt or insolvent. UNDER THIS INSURANCE 2."Auto hazard" means all "bodily injury" and 1.Your rights and duties under this insurance may "property damage" to which liability insurance not be transferred without our written consent afforded under an auto policy of "underlying except in the case of death of an individual insurance" would apply but for the exhaustion Named Insured. of its applicable limits of insurance. 2.If you die, your rights and duties will be 3. "Electronic data" means information, facts or transferred to your legal representative but only programs stored as or on, created or used on, while acting within the scope of duties as your or transmitted to or from computer software legal representative. Until your legal (including systems and applications software), representative is appointed, anyone having hard or floppy disks, CD-ROMs, tapes, drives, proper temporary custody of your property will cells, data processing devices or any other have your rights and duties but only with media which are used with electronically respect to that property. controlled equipment. V. UNINTENTIONAL OMISSION OR ERROR 4. "Event" means an "occurrence", offense, The unintentional omission of, or unintentional error accident, act, error, omission, wrongful act or in, any information provided by you which we relied loss. upon in issuing this policy will not prejudice your rights under this insurance. However, this provision 5. "Extended reporting period" means any period does not affect our right to collect additional of time, starting with the end of the policy premium or to exercise our rights of cancellation or period of your claims-made insurance, during nonrenewal in accordance with applicable which claims or "suits" may be first made, insurance laws or regulations. brought or reported for that insurance. W. WHEN LOSS IS PAYABLE 6. "Medical expenses" means expenses to which any Medical Payments section of any If we are liable under this insurance, we will pay for policy of Commercial General Liability injury, damage or loss after: "underlying insurance" applies. 1.The insured's liability is established by: 7. "Other insurance" means insurance, or the a.A court decision; or funding of losses, that is provided by, through b. A written agreement between the claimant, or on behalf of: the insured, any "underlying insurer" and a.Another insurance company; us;and Us or any of our affiliated insurance b. 2. The amount of the "applicable underlying limit" companies; or "self-insured retention" is paid by or on c. Any risk retention group; behalf of the insured. Page 16 of 22 © 2016 The Travelers Indemnity Company. All rights reserved. EU 00 01 0716