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Policy number 72UDNYQl964 \anuue provisions in this policy restrict coverage. Read the entire policy carefully to determine hghts, duties and what ioand ionot covered. Throughout this policy the words "you" and "your" refer to the Named Insured abovvn in the Deo|anatione, and any other person or organization qualifying as a Named Insured under this policy. The words ''we^. ^um^ and ''our" refer to the stook insurance company member of The Hartford providing this insurance. The word "insured" means any person or organization qualifying nasuch under Section U—Who |aAoInsured. Other words and phrases that appear in quotation marks have special meaning. Refer toSection \J—Definidona. SECTION i—COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes |ego|k/ 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 damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or"property damage" 0u which this insurance does not apply. We may, at our disonedon, investigate any "occurrence" and settle any claim or''euit"that may result. But: (1) The amount we will pay for damages is limited as described in Section U| — Limits Of Insurance; and CQ Our right and duty to defend ends when we have used upthe applicable limit ofinsurance in the payment ofjudgments orsettlements under Coverages AorBormedical expenses under Coverage C. No other obligation or liability to pay sums or perform acts orservices iocovered unless explicitly provided for under Supplementary Payments — Coverages /kand B. b. This insurance applies to "bodily injury" and "property damage" only if: (1) The "bodily injury" or "property damage" is caused by on "occurrence" that takes place i the "coverage territory"; PARAGON PARTNERS A,2O11-O5S-01 REVIEWED BY� &~�� Paragon Partners Ltd. (2) The "bodily injury" or"property damage" occurs during the policy period; and (3) Prior to the policy pehod, no insured |iob*d under Paragraph 1. of Section || —VVho Is An Insured and no''emp|oyee"authorized byyou tu give or receive notice of an "occurrence" or c|aim, knew that the "bodily injury" or "property damage" had 000unnd, in whole or in port. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily 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 tothe policy period. c. "Bodily injury" or"property damage" will bedeemed to have been known to have occurred at dna earliest time when any insured listed under Paragraph 1. of Section U —VVho Is An Insured or any "employee" authorized by you to give or receive notice ofan''oonurnynco''orclaim: (1) Reports all, or any part. of the "bodily injury" or "property damage" touaorany other insurer; (%) Receives a vvh#on or verbal demand or claim for damages because of the "bodily irjury" or "property damage'';or (3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred orhas begun tooccur. d. Damages because of "bodily injury" include damages claimed byany person ororganization for uan*. |oaa of services or death n*nu|dnQ atany time from the "bodily injury". e. Incidental Medical Malpractice (1) "Bodily injury" arising out ofthe nandmhnQ of or failure to render professional health care services as u phyoicion, denbst, nurna, emergency medical technician or paramedic eho|| be deemed to be caused by on "ocourrence''.but only if: (a) The phyoician, dondst, nurse, emergency medical technician or paramedic is employed by you to provide such services; and (b) You are not engaged in the business or occupation ofproviding such services. EUN|CEHEBED|A (PG 2of23) ^� ~_ HG8DO1O6O5 Page 1mf18 @2005 The Hartford (includes copyrighted material of Insurance Services Office, Inc. with its permission.)