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COMMERCIAL GENERAL LIABILITY CG 00011001 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declara- tions, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under Section II — Who Is An In- sured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V — Definitions. SECTION I — COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured be- comes legally obligated to pay as damages because of "bodily injury" or "property damage' to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or 'property damage' to which this in- surance does not apply. We may, at our discre- tion, investigate any 'occurrence' and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III — Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insur- ance in the payment of judgments or set- tlements under Coverages A or B or medi- cal expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless ex- plicitly provided for under Supplementary Pay- ments — Coverages A and B. A.. A AAO V LL) AN IX-) I`OY, M Laura Still Sa^-nd Assistant City At¢unor b. This insurance applies to "bodily injury' and "property damage" only if: (1) The "bodily injury' or "property damage' is caused by an "occurrence' that takes place in the "coverage territory` (2) The "bodily injury" or 'property damage' occurs during the policy period; and (3) Prior to the policy period, no insured listed under Paragraph 1. of Section II — Who Is An Insured and no "employee' authorized by you to give or receive notice of an 'oc- currence' or claim, knew that the "bodily in- jury" or "property damage" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily injury' or "property damage" occurred, then any con- tinuation, change or resumption of such "bodily injury" or 'property damage" during or after the policy period will be deemed to have been known prior to the policy period. c. 'Bodily injury' or 'property damage' which occurs during the policy period and was not, prior to the policy period, known to have oc- curred by any insured listed under Paragraph 1. of Section 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 continuation, change or resumption of that "bodily injury" or 'property damage' af- ter the end of the policy period. d. 'Bodily injury' or 'property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed un- der Paragraph 1. of Section II — Who Is An In- sured or any "employee" authorized by you to give or receive notice of an 'occurrence' or claim: (1) Reports all, or any part, of the "bodily injury' or 'property damage' to us or any other in- surer; (2) Receives 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 that "bodily injury" or "property damage" has oc- curred or has begun to occur. CG 00 01 10 01 © ISO Properties, Inc., 2000 Page 1 of 16 0