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injury" or "personal injury," or for any <br />obligation to share damages with or repay <br />someone else who must pay damages <br />because of the injury; or <br />(2) "Bodily injury" or "personal injury" arising <br />out of his or her providing or failing to <br />provide professional health care services; <br />or <br />(3) "Property damage" to property owned or <br />occupied by or rented or loaned to that <br />employee, any of your other employees, or <br />any of your partners or members (if you are <br />a partnership or joint venture). <br />b. Any person (other than your employee), or any <br />organization while acting as your real estate <br />manager. <br />c. Any person or organization having proper <br />temporary custody of your property if you die, <br />but only: <br />(1) With respect to liability arising out of the <br />maintenance or use of that property; and <br />(2) Until your legal representative has been <br />appointed. <br />d. Your legal representative if you die, but only <br />with respect to duties as such. That <br />representative will have all your rights and <br />duties under this Coverage Part. <br />With respect to "mobile equipment" registered in <br />your name under any motor vehicle registration law, <br />any person is an insured while driving such <br />equipment along a public highway with your <br />permission. Any other person or organization <br />responsible for the conduct of such person is also an <br />insured, but only with respect to liability arising out <br />of the operation of the equipment, and only if no <br />other insurance of any kind is available to that person <br />or organization for this liability. However, no person <br />or organization is an insured with respect to: <br />a. "Bodily injury" to a co-employee of the person <br />- driving the equipment; or <br />b. "Property damage" to property owned by, rented <br />to, in the charge of or occupied by you or the <br />employer of any person who is an insured under <br />this provision. <br />Any organization you newly acquire or form, other <br />than a partnership or joint venture, and over which <br />you maintain ownership or majority interest, will <br />qualify as a Named Insured if there is no other <br />similar insurance available to that organization. <br />However. <br />a. Coverage under this provision is afforded only <br />until the 90th day after you acquire or form the <br />organization or the end of the policy period, <br />whichever is earlier; <br />b. Coverage A does not apply to "bodily injury" or <br />"property damage" that occurred before you <br />acquired or formed the organization; and <br />c. Coverage B does not apply to "personal injury" <br />CG 0001 (11/88) <br />or "advertising injury" arising out of an offense <br />committed before you acquired or formed the <br />organization. <br />No person or organization is an insured with respect to <br />the conduct of any current or past partnership or joint <br />venture that is not shown as a Named Insured in the <br />Declarations. <br />SECTION III - LIMITS OF INSURANCE <br />1. The Limits of Insurance shown in the Declarations <br />and the rules below fix the most we will pay <br />regardless of the number of: <br />a. Insureds; <br />b. Claims made or "suits" brought; or <br />c. Persons or organizations making claims or <br />bringing "suits." <br />2. The General Aggregate Limit is the most we will pay <br />for the sum of <br />a. Medical expenses under Coverage C; <br />b. Damages under Coverage A, except damages <br />because of "bodily injury" or "property damage" <br />included in the "products-completed operations <br />hazard;" and <br />c. Damages under Coverage B. <br />3. The Products-Completed Operations Aggregate <br />Limit is the most we will pay under Coverage A for <br />damages because of "bodily injury" and "property <br />damage" included in the "products-completed <br />operations hazard." <br />4. Subject to 2. above, the Personal and Advertising <br />Injury Limit is the most we will pay under Coverage <br />B for the sum of all damages because of all "personal <br />injury" and all "advertising injury" sustained by any <br />one person or organization. <br />5. Subject to 2. or 3. above, whichever applies, the Each <br />Occurrence Limit is the most we will pay for the <br />sum of: <br />a. Damages under Coverage A; and <br />b. Medical expenses under Coverage C because of <br />all "bodily injury" and "property damage" arising <br />out of any one "occurrence." <br />6. Subject to 5. above, the Fire Damage Limit is the <br />most we will pay under Coverage A for damages <br />because of "property damage" to premises rented to <br />you arising out of any one fire. <br />7. Subject to 5. above, the Medical Expense Limit is <br />the most we will pay under Coverage C for all <br />medical expenses because of "bodily injury" <br />sustained by any one person. <br />The limits of this Coverage Part apply separately to each <br />consecutive annual period and to any remaining period of <br />less than 12 months, starting with the beginning of the <br />policy period shown in the Declarations, unless the <br />policy period is extended after issuance for an additional <br />period of less than 12 months. In that case, the additional <br />period will be deemed part of the last preceding period <br />for purposes of determining the Limits of Insurance. <br />Page 5 of 9