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15. "Pollutants" mean any solid, liquid, gaseous or
<br />thermal irritant or contaminant, including smoke,
<br />vapor, soot, fumes, acids, alkalis, chemicals and
<br />waste. Waste includes materials to be recycled,
<br />reconditioned or reclaimed.
<br />16. "Products -completed operations hazard":
<br />a. Includes all "bodily injury" and "property dam-
<br />age" occurring away from premises you own or
<br />rent and arising out of "your product" or "your
<br />work" except:
<br />(1) Products that are still in your physical pos-
<br />session; or
<br />(2) Work that has not yet been completed or
<br />abandoned. However, "your work" will be
<br />deemed completed at the earliest of the fol-
<br />lowing times:
<br />(a) When all of the work called for in your
<br />contract has been completed.
<br />(b) When all of the work to be done at the
<br />job site has been completed if your con-
<br />tract calls for work at more than one job
<br />site.
<br />(c) When that part of the work done at a job
<br />site has been put to its intended use by
<br />any person or organization other than
<br />another contractor or subcontractor
<br />working on the same project.
<br />Work that may need service, maintenance,
<br />correction, repair or replacement, but which
<br />is otherwise complete, will be treated as
<br />completed.
<br />b. Does not include "bodily injury" or "property
<br />damage" arising out of:
<br />(1) The transportation of property, unless the
<br />injury or damage arises out of a condition in
<br />or on a vehicle not owned or operated by
<br />you, and that condition was created by the
<br />"loading or unloading" of that vehicle by any
<br />insured;
<br />(2) The existence of tools, uninstalled equip-
<br />ment or abandoned or unused materials; or
<br />(3) Products or operations for which the classi-
<br />fication, listed in the Declarations or in a
<br />policy schedule, states that products -
<br />completed operations are subject to the
<br />General Aggregate Limit.
<br />17. "Property damage" means:
<br />a. Physical injury to tangible property, including
<br />all resulting loss of use of that property. All
<br />such loss of use shall be deemed to occur at
<br />the time of the physical injury that caused it; or
<br />b. Loss of use of tangible property that is not
<br />physically injured. All such loss of use shall be
<br />deemed to occur at the time of the "occur-
<br />rence" that caused it.
<br />For the purposes of this insurance, electronic data
<br />is not tangible property.
<br />As used in this definition, electronic data means
<br />information, facts or programs stored as or on,
<br />created or used on, or transmitted to or from com-
<br />puter software, including systems and applications
<br />software, hard or floppy disks, CD-ROMS, tapes,
<br />drives, cells, data processing devices or any other
<br />media which are used with electronically controlled
<br />equipment. -
<br />18."Suit' means a civil proceeding in which damages
<br />because of "bodily injury", "property damage" or
<br />"personal and advertising injury" to which this in-
<br />surance applies are alleged. "Suit' includes:
<br />a. An arbitration proceeding in which such dam-
<br />ages are claimed and to which the insured
<br />must submit or does submit with our consent;
<br />or
<br />b. Any other alternative dispute resolution pro-
<br />ceeding in which such damages are claimed
<br />and to which the insured submits with our con-
<br />sent.
<br />19. "Temporary worker" means a person who is fur-
<br />nished to you to substitute for a permanent "em-
<br />ployee" on leave or to meet seasonal or short-term
<br />workload conditions.
<br />20."Volunteer worker" means a person who is not
<br />your "employee", and who donates his or her work
<br />and acts at the direction of and within the scope of
<br />duties determined by you, and is not paid a fee,
<br />salary or other compensation by you or anyone
<br />else for their work performed for you.
<br />21."Your product':
<br />a. Means:
<br />(1) Any goods or products, other than real
<br />property, manufactured, sold, handled, dis-
<br />tributed or disposed of by:
<br />(a) You;
<br />(b) Others trading under your name; or
<br />(c) A person or organization whose busi-
<br />ness or assets you have acquired; and
<br />(2) Containers (other than vehicles), materials,
<br />parts or equipment furnished in connection
<br />with such goods or products.
<br />b. Includes:
<br />(1) Warranties or representations made at any
<br />time with respect to the fitness, quality, du-
<br />rability, performance or use of "your prod-
<br />uct; and
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