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It is understood and agreed that for the purposes of this Endorsement the following definition shall apply.
<br /> A. ADDITIONAL INSURED means:
<br /> 1. Any person or entity specifically endorsed onto this Policy as an ADDITIONAL INSURED.If any,
<br /> such ADDITIONAL INSURED shall maintain only those rights pursuant to this Policy as are
<br /> specified by endorsement;or
<br /> 2. Any person or organization the NAMED INSURED is required to name as an additional insured in
<br /> a written contract or agreement,but only with respect to"your work,"YOUR SERVICES or
<br /> PROFESSIONAL SERVICES performed by or on behalf of the NAMED INSURED for that
<br /> person or organization.However,such persons or organizations are covered only with respect to
<br /> "bodily injury,""property damage,""personal and advertising injury,"or LOSS arising out of"your
<br /> work,"YOUR SERVICES or PROFESSIONAL SERVICES and are not covered for any"bodily
<br /> injury,""property damage,""personal and advertising injury,"or LOSS arising out of the person's
<br /> or organization's own liability.
<br /> C. EXCLUSIONS
<br /> There is no coverage whatsoever under this Policy for any of the following. We will also have no duty to defend the insured against
<br /> any suit seeking damages to which this insurance does not apply.
<br /> 1. Cross Suits
<br /> Any INJURY or DAMAGE, liability, or obligation from any CLAIM initiated, alleged or caused to be brought
<br /> about by a NAMED INSURED or INSURED against any other NAMED INSURED or INSURED.
<br /> This exclusion shall not apply to INJURY,DAMAGE,or CLAIMS brought by any person(s) or organization(s)
<br /> whom you agree,in a written contract,to name as an ADDITIONAL INSURED,provided such
<br /> ADDITIONAL INSURED:
<br /> a) is not a parent, subsidiary or affiliate of any NAMED INSURED;
<br /> b) does not have any ownership interest in any NAMED INSURED;
<br /> c) is not owned, operated,controlled,or managed by any NAMED INSURED.
<br /> 2. Prior Knowledge,Expected or Intended Injury
<br /> BODILY INJURY,PROPERTY DAMAGE,ENVIRONMENTAL DAMAGE,POLLUTION
<br /> CONDITIONS or any LOSS expected or intended,should have been known by, or could have reasonably been
<br /> expected by any RESPONSIBLE RNTSURED,to give rise to a CLAIM. This exclusion shall not apply to
<br /> BODILY INJURY resulting from the use of reasonable force to protect persons or property.
<br /> 3. Intentional Acts
<br /> BODILY INJURY, PROPERTY DAMAGE,ENVIRONMENTAL DAMAGE or any LOSS based upon or
<br /> arising from any acts of an INSURED which are based upon or otherwise attributed to the INSURED'S
<br /> intentional,willful,dishonest,fraudulent,malicious,deliberate or knowingly wrongful act,including but not
<br /> limited to such behavior or non-compliance with any statute,regulation,ordinance,administrative complaint,notice
<br /> of violation,notice letter,executive order,or instruction of any governmental agency or body prior to or after
<br /> inception of this Policy,including but not limited to an intentional discharge, seepage,disposal, dispersal,migration,
<br /> release of any substance that could cause a POLLUTION CONDITION,committed by or at the
<br /> direction of RESPONSIBLE INSURED.
<br /> This exclusion does not apply, to a RESPONSIBLE INSURED that did not commit, participate in, or have
<br /> knowledge of such an act.
<br /> 4. Workers'Compensation
<br /> Any liability or obligation of any INSURED under any workers compensation,disability benefits,
<br /> unemployment compensation, employee benefits,pension sharing,ERISA law or any similar federal, state or local
<br /> law and any amendments thereto.
<br /> 5. Employment Practices Liability
<br /> INJURY OR DAMAGE to:
<br /> a. A person arising out of any:
<br /> (1) Refusal to employ that person;
<br /> (2) Termination of that person's employment;or
<br /> VP E 201(6/22) Page 2 of 10 ©2022 Virtue Risk Partners, LLC
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