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it 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 organization qualifying as such under Section C.-Who Is An Insured. Other wards and phrases that appear in quotation marks have special meaning. Refer to Section G. - Liability And Medical Expenses Definitions. X COVERAGES (a) The "bodily injury" or "property damage" is caused by an 1. BUSINESS LIABILITY COVERAGE (BODILY "occurrence" that takes place in the INJURY, PROPERTY DAMAGE, PERSONAL •coverage territory"; AND ADVERTISING INJURY) (b) The "bodily injury" or "properly Insuring Agreement damage" occurs during the policy a. We will pay those sums that the insured perlod;and becomes legally obligated to pay as (c) Prior to the policy perlod, 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 or "property damage" had occurred, have no duty to defend the insured against in whole or in part. if such a listed any "suit" seeking damages for "bodily insured or authorized "employee" Injury", "property damage" or "personal and 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 policy (1) The amount we will pay for damages is period will be deemed to have been limited as described in Section D. - known prior to the policy period. Liability And Medical Expenses Limits (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. seittlemeMs or medical expenses to which c. "Bod€€y injury" or"property damage" will be this insurance applies. deemed to have boon known to have No other obligation or liability to pay sum or occurred at the earliest time when any perform acts or services is covered unless insured listed under Paragraph t.of Section explicitly provided for under Coverage C. —Who Is An Insured or any"employee" Extension-Supplementary Payments. authorized by you to give or receive notice of an"occurrence" or claim. b. This Insurance applies: (1) Reports all, or any part, of the "bodily (1) To "bodily Injury" and "property Injury" or "properly damage" to us or damage"only if: any other insurer; I Form SS 00 08 04 05 Page 1 of 24 0 2005,The Hartford