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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 Narned Insured shown in the Declarations, and any other person or organization qualifying as a Narned Insured under this policy, The words "we", "us" and "our" refer to the stork insurance company mernber of 1"he Hartford providing this insurance. The word "insured" means any person or organization qualifying as such under, Section 1I — Who Is An Insured. 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 becomes 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 daiinages. However, We Will have HU duty 10 defend the insured against any "Suit" seeking damages for "bodily injury" or "property damage" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" and settle any claim or "Suit"' that may result, But: (1) The amount we will pay for damages is limited as de!;criihed in Section III — Limits Of lnsurancc; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liahility to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments — Coverages A and B. lb. This insurance applies to "bodily injury "" and ,,property damage" only if: (1) The "bodily injury" or "property damage" Is causpri by an " occurrence"" that takes place in the "coverage territory"; (2) The "bodily injury" or "property darnage" occurs during the policy period; and Prior to the policy period, no insured listed under Paragraph 1. of Section 11 — Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, in whale or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "i injury" or "property damage" occurred, then any continuation, 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" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1, of Section 11 — Who Is An Insured 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 darnage" to US or any other insurer-, (2) Receives a written or verbal dernand 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 occurred OF has begun to occur d. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury". e. Incidental Medical Malpractice (1) "Bodily injury" arising out of the rendering of or failure to render professional health care services as a physician, dentist, nurse, eirnerguncy medical (echnida i Or paramedic shall be deemed to be caused by an ' "occurrence" but only if: (a) The physician, dentist,, nurse, emergency medical technician or paramedic is employed by you to provide such se(vices-, and (b) You are nor engaged in the business or occupailion of providing such services. HG 00 01 06 05 Page 1 of 18 2005 The Hartford (Includes copyrighted material of Insurance Services Office, Inc. with its permission.)