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11.Access or Disclosure of Confidential or Personal Information
<br /> Any liability or obligation arising out of any access to or disclosure of any person's or organization's confidential or
<br /> personal information,including patents,trade secrets,processing methods, customer lists,financial
<br /> information,credit card information,health information or any other type of nonpublic information.
<br /> This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic
<br /> expenses,public relations expenses or any other loss, cost or expense incurred by you or others arising out of any
<br /> access to or disclosure of any, person's or organization's confidential or personal information.
<br /> 12. Cyber Liability
<br /> Any liability or obligation arising out of any Cyber liability, including but not limited to data breach, spyware,
<br /> malware,ransomware,phi shing,or other electronic system hack or breach.
<br /> 13. Climate Change
<br /> Any liability or obligation arising out of allegations related to global warming or climate change,including but not
<br /> limited to effects of any, naturally occurring or man-made gas,on the earth's climate.
<br /> 14. Fire Suppression Negligence Exclusion
<br /> Any liability or obligation arising out of the NAMED INSURED'S failure to provide safeguards,monitoring or
<br /> emergency fire suppression equipment,during and up to one hour after performing any operations involving any
<br /> activity or operation that generates sparks,flames or heat capable of causing combustion.
<br /> 15.War
<br /> Any liability or obligation of any INSURED caused,arising,directly or indirectly,out of:
<br /> a. War,including undeclared or civil war;
<br /> b. Warlike action by a military force,including action in hindering or defending against an actual or
<br /> expected attack,by any government,sovereign or other authority using militarypersonal or other
<br /> agents;or
<br /> c. Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in
<br /> hindering or defending against any of these.
<br /> 16. Radioactive Waste
<br /> Any liability or obligation for radioactive,toxic or explosive properties of NUCLEAR MATERIAL.This
<br /> exclusion shall not apply to the INSURED'S work as it relates to remediation and/or decommissioning of
<br /> nonreactive sites which may contain or have become contaminated with Low-Level Radioactive Waste as defined in
<br /> the Low-Level Radioactive Waste Policy Act and which is under the regulatory authority of the Atomic Energy Act
<br /> of 1954,as amended.
<br /> 17.NUCLEAR EXCLUSION
<br /> 1. Any obligation:
<br /> A. Under any Liability Coverage, to injury, sickness, disease, death or destruction, BODILY INJURY or
<br /> PROPERTY DAMAGE:
<br /> 1. With respect to which an INSURED under the Policy is also an INSURED under a nuclear energy
<br /> liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy
<br /> Liability Underwriters,Nuclear Insurance Association of Canada or any of their successors,orwould
<br /> be an INSURED under any such policy but for its termination upon exhaustion of its limit of
<br /> insurance;or
<br /> 2. Resulting from the HAZARDOUS PROPERTIES of NUCLEAR MATERIAL and with respect to
<br /> which: (a) any person or organization is required to maintain financial protection pursuant to the
<br /> Atomic Energy Act of 1954,or any law amendatory thereof,or(b) the INSURED is,or had this policy
<br /> not been issued would be,entitled to indemnity from the United States of America,or any agency
<br /> thereof,under any agreement entered into by the United States of America,or any agency thereof,
<br /> with any person or organization.
<br /> VP E 201(6/22) Page 4 of 10 ©2022 Virtue Risk Partners, LLC
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