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BUSINESS 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 Declarations. The words "we","us"and"our"refer to the stock Insurance company member of The Hartford providing this Insurance. The word"insured"means any person or organlzafiton qualifying as such under Section C.-Who Is An Insured. Other words and phrases that appear In quotation marks have special meaning. Refer to Section G.-Liability And Medical Expenses Definitlons. A. COVERAGES (a) The "bodily injury" or "property 1. BUSINESS LIABILITY COVERAGE~ (BODILY damage" Is caused by an INJURY, PROPERTY DAMAGE, PERSONAL "occurrence"that takes place In the AND ADVERTISING INJURY) "coverage territory": Insuring Agreement (b) The "bodily injury" or "property damages occurs during the policy a. We will pay those sums that the Insured period;and becomes legally obligated to pay as (c) Prior to the policy period,no insured damages because of "bodily injury', listed under Paragraph 1,of Section "property damage" or "personal and C. — Who Is An Insured and no advertising injury" to which this Insurance "employee"authorized by you to give applies. We will have the right and duty to or receive notice of an 'occurrence" defend the Insured against any "suit" or claim,knew that the"bodily injury" seeking those damages. However, we will have no duty to defend the Insured against or"property damage" had occurred, any "suit" seeking damages for "bodily in whole or in part. If such a listed injury", "property damage" or"personal and Ensured or authorized "employee" knew, prior to the policy period,that advertising injury' to which this Insurance the "bodily Injury" or "property does not apply. damage" occurred, then any We may, at our discretion, investigate any continuation, change or resumption "occurrence"or offense and settle any claim of such "bodily Injury" or "property or"suit"that may result. But: damage" during or after the Polley (1) The amount we will pay for damages Is period will be deemed to have been limited as described in Section A. - known prior to the policy period. Liability And Medical Expenses Limite (2) To "personal and advertising Injury" Of Insurance;and caused by an offense arising out of your (2) Our right and duty to defend ends when business, but only If the offense was we have used up the applicable limit of committed In the "coverage territory" insurance In the payment of judgments, during the policy period. settlements or medical expenses to which a. "Bodily injury" or"property damage"will be this Insurance applies. deemed to have been known to have No other obligation or liability to pay sums or occurred at the earliest time when any perform acts or services Is covered unless Insured listed under Paragraph 1.of Section expilcltly provided for under Coverage C.—Who Is An Insured or arty"employee" Extension-Supplementary Payments. authorized by you to give or receive notice b. This Insurance applies: of an"occurrence"or claim: (1) To "bodily injury" and "property (1) Reports all, or any part, of the "bodily damage"and If: Injury or property damage to us or g y any other insurer, Form SS 00 08 04 05 Page 1 of 24 CP 2005,The Hartford