CIVIC COLLECTIONS, INC. 3D - 2005

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JilL 16 '05 14:11 FROM: COMN T-146 P 11/44 F-070 ~IAl GENERAL liABILITY CG 00 01 10 01 COMMERCIAL GENERAL LIABILITY COVERAGE FORM various provisions in this policV restrict coverage, Road the entire policy carefullv to dattlrmine rights. dutie8 and what is and is not covered. Throughout this policy the word" "you" and "your" refer to the Named Insured shown in the Declara- tions, and eny other person or or!~anization qualifying GO a Named Insurad undar this policy. Tha words "we". "us" and "aur" refer to th(1 company providing thi~ irUluranC8. The word "insured" means any pluson or organization qualifying as such under Section II - Who Is An in- sured. Other words and phrases that appear In quotetion marks have special meaning. A afar to Saction V - Definitions. 5f:CTION I - coVERAGES CoVERAGE A BODILY INJUFIY AND PROPERTY DAMAGE LIABILITY ,. Inauring Agreement a. We will pay thosa sum" that the insured be- comes legally oblig..tad to pay a. damages because of "bodily injul'y" or "property dam- age" to which thia inl!JU'rBnoe applies_ We will have the right and duty to defend the insured against any "suit" sa"king those damages, However, we will have no duty to defend the Insured ~9oinat any "Iu,tll soeking damages for "bodily injury" or "property damage" to whit;h this in~uranCA dOles not apply. We mav, at our discretion. im/estigate any "occur. renoe" and 8srtle any claim Of "suit" that may result. But: 111 The amount we will pay for damages is limited as described in Section 1\1 - limits Of Insurance; and f21 Our right and dU\1f to defand ends when we hava used up the epplicable limit 01 in- surance in the payment of judgments or settlements under Coverages A or B or medical Elxpenses 'under Coverage C. No other obligation or liability to pay sums or perfor..... act:l or ".rvices it covered unless e){. plicitly provided for under Supplementary pay- rnanU - Covarags9 A and B. b. This insurance applies to "bodily injury" and "property demage" ollly il: (11 The "bodily injur,/" or "property demage" is caused bv an "occurrence" that takes place in the nCovl~rage territorv"; 121 The "bodily injurv" or "property damage" occur. during thO! poliCY period; and 131 Prior to the policY period, no insured listad under Paragreph 1, of Section II - Who Is An Insured and no "employee" authorized bv you to give or receive notice of an "'oc~ currence" or claim, knew that the "bodily injurv" or "propertv damage" had occur- red. In whole 0" in part. If such a listed in- sured or authorized loemployoe" knew. pri~ or to tho poliov p....iod. that the "bodilV in- jury" or "property damege" occurred, then any continuation, change or resumption of such "bodily injury" or "property damege" during or after the policy period will be deamed to have been known prior to the polioV period. c. "Bodily injury" or "property damage" which occurs during the pollcV period and wa" not. prior to the policy period. known to have oc- curred bV any insured listed under Paragraph ,. of Saction II - Who Is An Insured or any "employee" authorized by you to give or re- ceive notice of an "occurrence" or claim. in- cludes any oontinuation. change or resump~ tion of that "bodily injury" or "property dam- age" after the and of the policY period. d. "Bodily injury" or 'property damage" will be deemed to havo been known to havD oocurred at tha earliest time when any insured listed under Paragraph 1. of Section II - Who Is An Insured or any "employee" authorized by you to give or recelvB notice of fin "'ocourrence'" or claim: I' I Reports all. or any part, of the "bodilY In- jury" or "property damage" to u. or any other insurer; 121 Receive. a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or (3\ Becomes aware by any other means thet "bodily injury" or "propertY dam"ge" lte8 occurred or has begun to occur. e, Damages because of "bodily injury" include damages claimed by any person or organiza- tion for care, loss of services or death result- in9 8t anv time from the "bodily injury". 2. Excluslona This insurance does not apply to; 8. Expeclad Or Intendad Inlury "Bodily injury" or "property damage" expect- ed or intended from the standpoint of the in- ~ur8d. Thili exclusion does not apply to "bod- CG 00 01 1001 Copyright, ISO Properties. Inc.. 2000 Paga 1 of 14