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BUSINESS LIABILITY COVERAGE FORM <br />(2) Receives a written or verbal demand or b. We will make these payments regardless of <br />claim for damages because of the "bodily fault. These payments will not exceed the <br />injury" or "property damage"; or applicable limit of insurance. We will pay <br />(3) Becomes aware by any other means that reasonable expenses for: <br />"bodily injury" or "property damage" has (1) First aid administered at the time of an <br />occurred or has begun to occur. accident; <br />d. Damages because of "bodily injury" include (2) Necessary medical, surgical, x-ray and <br />damages claimed by any person or dental services, including prosthetic <br />organization for care, loss of services or devices; and <br />death resulting at any time from the "bodily <br />" (3) Necessary ambulance, hospital, <br />injury <br />. professional nursing and funeral <br />e. Incidental Medical Malpractice services. <br />(1) "Bodily injury" arising out of the 3. COVERAGE EXTENSION - <br />rendering of or failure to render SUPPLEMENTARY PAYMENTS <br />professional health care services as a a. We will pay, with respect to any claim or <br />physician, dentist, nurse, emergency <br />"suit" investigate or settle, or any "suit" <br />medical technician or paramedic shall against t an insured we defend: <br />be deemed to be caused by an <br />"occurrence", but only if: (1) All expenses we incur. <br />(a) The physician, dentist, nurse, (2) Up to $1,000 for the cost of bail bonds <br />emergency medical technician or required because of accidents or traffic <br />paramedic is employed by you to law violations arising out of the use of <br />provide such services; and any vehicle to which Business Liability <br />(b) You are not engaged in the Coverage for "bodily injury" applies. We <br />business or occupation of providing do not have to furnish these bonds. <br />such services. (3) The cost of appeal bonds or bonds to <br />(2) For the purpose of determining the release attachments, but only for bond <br />limits of insurance for incidental medical amounts within the applicable limit of <br /> <br />malpractice, any act or omission insurance. We do not have to furnish <br /> <br />together with all related acts or these bonds. <br />omissions in the furnishing of these (4) All reasonable expenses incurred by the <br />services to any one person will be insured at our request to assist us in the <br />considered one "occurrence". investigation or defense of the claim or <br />2. MEDICAL EXPENSES "suit", including actual loss of earnings <br /> up to $500 a day because of time off <br />Insuring Agreement from work. <br />a. We will pay medical expenses as described (5) All costs taxed against the insured in <br />below for "bodily injury" caused by an the "suit". <br />accident: (6) Prejudgment interest awarded against <br />(1) On premises you own or rent; the insured on that part of the judgment <br />(2) On ways next to premises you own or we pay. If we make an offer to pay the <br />rent; or applicable limit of insurance, we will not <br />(3) Because of your operations; pay any prejudgment interest based on <br /> that period of time after the offer. <br />provided that: <br /> (7) All interest on the full amount of any <br />(1) The accident takes place in the judgment that accrues after entry of the <br />"coverage territory" and during the judgment and before we have paid, <br />policy period; offered to pay, or deposited in court the <br />(2) The expenses are incurred and reported part of the judgment that is within the <br />to us within three years of the date of applicable limit of insurance. <br />the accident; and Any amounts paid under (1) through (7) <br />(3) The injured person submits to above will not reduce the limits of insurance. <br />examination, at our expense, by <br />physicians of our choice as often as we <br />reasonably require. <br />Page 2 of 24 Form SS 00 08 04 05