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<br />. protected persons;
<br />. claims made or suits brought; or
<br />. persons or organizations making claims or
<br />bringing suits.
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<br />GenB..' tOIa! IImil This is the most we'll
<br />pay for the combined total of;
<br />
<br />. all covered bodily injury and property
<br />damage that happens in a policy year;
<br />
<br />. all covered personal injury that's caused
<br />by all personal injury offenses committed
<br />in a polley year;
<br />
<br />. all covered advertising injury that's caused
<br />by all advertising injury offenses
<br />committed in a policy year; and
<br />
<br />. all covered medical expenses that result
<br />from all events that happen in a poliCY
<br />year.
<br />
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<br />However, we won't apply this limit to bodilY
<br />injury or property damage that results from
<br />your products or your completed work.
<br />Instead, we'll apply the products alld
<br />completed work total limit to such bodily
<br />injury or property damage covered by this
<br />agreement,
<br />
<br />Policy year means the policy period shown
<br />in the Introduction, or the period of time
<br />that this agreement is in effect, whichever
<br />period is shorter, But when that period is
<br />longer than one year. policy year means
<br />each of the following periods of time that
<br />this agreement is ill effect. starting with the
<br />beginning date of this agreement:
<br />
<br />. Each consecutive oneo-oyear period,
<br />
<br />. Any period that remains after the last
<br />consecutive one-year period.
<br />
<br />However, if the original policy period shown
<br />in the Introduction is extended for a period
<br />of less than one year, we'll consider each
<br />such extended period to be part of the last
<br />policy year, regardless of the number of
<br />extensions provided,
<br />
<br />For example:
<br />
<br />?35 I J/~Ò
<br />
<br />Your orIgInal policy period is two years
<br />and nine months long, As a result, it has
<br />three policy years. each one separate from
<br />the other. The fIrst is the first one-year
<br />period. The second Is the next one-year
<br />perIod. And the thIrd is the remaIning
<br />nIne-month perIod.
<br />
<br />NO.293
<br />
<br />P .14/31
<br />
<br />1h8SI'IIIul
<br />
<br />During the third policy year you request,
<br />and we provide. two separate extensions of
<br />the policy period: a three-month extensIon,
<br />and then a four-month extension. As a
<br />result, the third policy year becomes
<br />sixteen months long and Is still subjeCt to
<br />the same limits of coverage that applies
<br />when it was nine months long.
<br />
<br />We explain the products and completed work
<br />total limit, and the terms your products and
<br />your completed work, in the Products and
<br />completed work total limit section.
<br />
<br />Products and completed work total limil
<br />is the most we'll pay for all covered
<br />injury and property damage that:
<br />
<br />. results from your products and your
<br />completed work; and
<br />. happens in a policy year.
<br />
<br />Your products means any of the goods or
<br />products that are or were manufactured,
<br />sold. handled, distributed, or disposed of by:
<br />
<br />. you:
<br />
<br />. others using your name; or
<br />
<br />. any person or organization whose business
<br />or assets you've acquired.
<br />
<br />This
<br />bodily
<br />
<br />Your produCtS includes:
<br />
<br />. all containers, equipment, materials, or
<br />parts provided with or for your products;
<br />. any warranty provided with or for your
<br />products:
<br />. any statement made, or that should have
<br />been made, about the durability, fitness,
<br />handling, maintenance, operation,
<br />performance, quality. safety, or use of
<br />your products; and
<br />
<br />. all warnings, instructions, or directions
<br />provided, or that should have been
<br />provided, with or for your products,
<br />
<br />But we won't consider the following to be
<br />your products:
<br />. Goods or products that are stili In your
<br />physical possession or on a premises that
<br />you rent, lease, or borrow from others, or
<br />own,
<br />. Real property.
<br />
<br />. Containers that are vehicles provided with
<br />Or for your products.
<br />. PropertY that's rented or leased to others,
<br />
<br />47150 Rev. 7-01 Printed in U,5.A. Insurine Agreement
<br />CiSt,Paul Fire and Marine Insurance Co. 2001 All Rights Reserved
<br />
<br />Page 11 of 28
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