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UMBRELLA
<br />b. With respect to "personal injury", an (5) Oral or written publication, including
<br />offense arising out of your business that publication by electronic means, of
<br />results in "personal injury". All "personal material that:
<br />injury" caused by the same or related
<br />(a) Appropriates a person's name,
<br />injurious material, act or offense will be
<br />voice, photograph or likeness; or
<br />deemed to be caused by one "occurrence",
<br />regardless of the frequency or repetition
<br />(b) Unreasonably places a person in
<br />thereof, the number and kind of media
<br />a false light.
<br />used or the number of persons or
<br />b. Includes "bodily injury" caused by one or
<br />organizations making claims or bringing
<br />more of the offenses described in
<br />
<br />"suits"; and
<br />Paragraph a. above.
<br />c. With respect to "advertising injury", an
<br />17. "Pollutants" mean any solid, liquid, gaseous or
<br />offense committed in the course of
<br />thermal irritant or contaminant, including
<br />advertising your goods, products and
<br />smoke, vapor, soot, fumes, acids, alkalis,
<br />services that results in "advertising injury".
<br />chemicals and waste. Waste includes
<br />All "advertising injury" caused by the same
<br />materials to be recycled, reconditioned or
<br />or related injurious material, act or offense
<br />reclaimed.
<br />will be deemed to be caused by one
<br />"occurrence", regardless of the frequency
<br />18. "Property damage" means:
<br />or repetition thereof, the number and kind
<br />a.Physical injury to tangible property,
<br />of media used or the number of persons or
<br />including all resulting loss of use of that
<br />organizations making claims or bringing
<br />property. All such loss of use will be
<br />
<br />"suits".
<br />deemed to occur at the time of the
<br />15. "Officer" means a person holding any of the
<br />physical injury that caused it; or
<br />officer positions created by your charter,
<br />b. Loss of use of tangible property that is not
<br />constitution, bylaws or any other similar
<br />physically injured. All such loss of use will
<br />governing document.
<br />be deemed to occur at the time of the
<br />16. "Personal injury":
<br />"occurrence" that caused it.
<br />a.Means injury, other than "advertising
<br />For the purposes of this insurance, "electronic
<br />injury", caused by one or more of the
<br />data" is not tangible property.
<br />
<br />following offenses:
<br />19. "Self-insured retention" is the greater of:
<br />(1) False arrest, detention or
<br />imprisonment;
<br />a.The amount shown in the Declarations
<br />(2) Malicious prosecution;
<br />which the insured must first pay under
<br />Coverage B for damages because of all
<br />(3) The wrongful eviction from, wrongful
<br />"bodily injury", "property damage",
<br />entry into, or invasion of the right of
<br />"personal injury" or "advertising injury"
<br />private occupancy of a room, dwelling
<br />
<br />arising out of any one "occurrence"; or
<br />or premises that a person occupies,
<br />provided that the wrongful eviction,
<br />b. The applicable limit of insurance of any
<br />wrongful entry or invasion of the right of
<br />"other insurance" that applies.
<br />private occupancy is committed by or
<br />20."Slogan":
<br />on behalf of the owner, landlord or
<br />lessor of that room, dwelling or
<br />a. Means a phrase that others use for the
<br />premises;
<br />purpose of attracting attention in their
<br />advertising.
<br />(4) Oral or written publication, including
<br />publication by electronic means, of
<br />b.Does not include a phrase used as, or in,
<br />material that slanders or libels a person
<br />the name of:
<br />or organization or disparages a
<br />(1) Any person or organization other than
<br />person's or organization's goods,
<br />you; or
<br />products or services, provided that the
<br />claim is made or the "suit" is brought by
<br />(2) Any business, or any of the premises,
<br />a person or organization that claims to
<br />goods, products, services or work, of
<br />have been slandered or libeled, or that
<br />any person or organization other than
<br />claims to have had its goods, products
<br />you.
<br />or services disparaged; or
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