APPRISS INC. f/n/a VINE COMPANY 1A - 2002

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,. RPP;¡. ' 6. 2004 .' 3:20PM NO.293 P.5/31 IboSrRIuI ß8 1 /Jo What This Agreement Covers Bodily Injury and property damage liability. We'll pay amounts any protected person is legally required to pay as damages for covered bodily injury or property damage that: . hllppens while this agreement is in effect; and . Is caused by an event. Protected person means I!Iny person or orgl!lnization thllt qualifies I!IS a protected person under the Who Is Protected Under This Agreement section. Bodily injury means any physical harm, including sickness or disease, to the physical health of other persons. We'll consider any of the following that happens at any time to be part of such physical harm, sickness, or disease, if it results in or from such physical harm, sickness, Dr disellse: . Mental anguish, injury, or illness. . Emotional distress. . Care, loss of services, or death. We'll consider any bodily Injury that's a continuation, change, or resumption of previously known bodily injury to happen before this agreement begins if such continuation, chl!lnge, or resumption would otherwise be covered by this agreement becaLjse of a continuous, multiple, or other coverage trigger required under the law that applies. Of course, if there's a contlnul!ltlon, change, or resumption, after this agreement ends, of bodily injury that: . isn't previously known bodily Injury; and . happens while this agreement is in effect; we'll consider such continuation, change, or resumption to also happen while this agreement is in effect if that would be the' result because of a continuous, multiple, or other coverage triggar required under the law that applies. Previously known bodily Injury means bodily Injury that happened before this agreement begins end was known by you or any described Individual protected parson before this agreement begins as a result of any of tha following at thl!lt time: . You or any described individual protected person reporting all or part of that bodily injury to us or any other insurer. . You or any described Individual protected person receiving e claim or suit for all or part of that bodily injury. . Any described individual protected person witnessing, or being told of, the beginning, or any change, continuation, or resumption, of all or part of that bodily injury. Described individual protected person means any of the following: . You or your spouse if you are an individual. . Any of your partners or co-vanturers that are individuals, or their spouses, if you are II partnership or joint venture. . Any of your members or managers if you ere a limited liability company. . Any of your directors or executive officers if you I!Ire a corporation or other organization. . Any of your employees who is or acts liS your insurance or risk. manager or holds a position in your insurance, risk management, or legal department. Property damage means: . physical damage to tangible property of others, including all resulting loss of use of that property; or . loss of use of t2lngible property of others that isn't physically damaged. For axample: One of your employees accidentally causes a fire in your premises. The fire department responds and orders nearby businesses to close for safety reasons while it fights the fire. Your premises is hewi/y damaged by the fire. But none of the nearby businesses are physically damaged. As a result, we'll consider the period of time those busif/flSses are closed due to your fire to be loss of use of tangible property of others that Isftt physically damaged. We'll consider all physical daml!lge to tangible property of others that's a continuation, change, or resumption of previously known physical damage to 47150 Rev. 7-01 Printed In U.S.A. Page 2 of 28 ilÞSt.Paul Fire I!Ind Marine Insur"",," /"", ~nl'l1 ." "'_~h "- --