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15. "Pollutants" mean any solid, liquid, gaseous or <br />thermal irritant or contaminant, including smoke, <br />vapor, soot, fumes, acids, alkalis, chemicals and <br />waste. Waste includes materials to be recycled, <br />reconditioned or reclaimed. <br />16. "Products- completed operations hazard ": <br />a. Includes all "bodily injury" and "property dam- <br />age" occurring away from premises you own or <br />rent and arising out of "your product" or "your <br />work" except: <br />(1) Products that are still in your physical pos- <br />session; or <br />(2) Work that has not yet been completed or <br />abandoned. However, "your work" will be <br />deemed completed at the earliest of the fol- <br />lowing times: <br />(a) When all of the work called for in your <br />contract has been completed. <br />(b) When all of the work to be done at the <br />job site has been completed if your con- <br />tract calls for work at more than one job <br />site. <br />(c) When that part of the work done at a job <br />site has been put to its intended use by <br />any person or organization other than <br />another contractor or subcontractor <br />working on the same project. <br />Work that may need service, maintenance, <br />correction, repair or replacement, but which <br />is otherwise complete, will be treated as <br />completed. <br />b. Does not include "bodily injury" or "property <br />damage" arising out of: <br />(1) The transportation of property, unless the <br />injury or damage arises out of a condition in <br />or on a vehicle not owned or operated by <br />you, and that condition was created by the <br />"loading or unloading" of that vehicle by any <br />insured; <br />(2) The existence of tools, uninstalled equip- <br />ment or abandoned or unused materials; or <br />(3) Products or operations for which the classi- <br />fication, listed in the Declarations or in a <br />policy schedule, states that products. <br />completed operations are subject to the <br />General Aggregate Limit. <br />17. "Property damage" means: <br />a. Physical injury to tangible property, including <br />all resulting loss of use of that property. All <br />such loss of use shall be deemed to occur at <br />the time of the physical injury that caused it; or <br />b. Loss of use of tangible property that is not <br />physically injured. All such loss of use shall be <br />deemed to occur at the time of the "occur- <br />rence" that caused it. <br />For the purposes of this insurance, electronic data <br />is not tangible property. <br />As used in this definition, electronic data means <br />information, facts or programs stored as or on, <br />created or used on, or transmitted to or from com- <br />puter software, including systems and applications <br />software, hard or floppy disks, CD -ROMS, tapes, <br />drives, cells, data processing devices or any other <br />media which are used with electronically controlled <br />equipment. <br />18. "Suit" means a civil proceeding in which damages <br />because of "bodily injury", "property damage" or <br />"personal and advertising injury" to which this in- <br />surance applies are alleged. "Suit" includes: <br />a. An arbitration proceeding in which such dam- <br />ages are claimed and to which the insured <br />must submit or does submit with our consent; <br />or <br />b. Any other alternative dispute resolution pro- <br />ceeding in which such damages are claimed <br />and to which the insured submits with our con- <br />sent. <br />19. "Temporary worker" means a person who is fur- <br />nished to you to substitute for a permanent "em- <br />ployee" on leave or to meet seasonal or short-term <br />workload conditions. <br />20. "Volunteer worker" means a person who is not <br />your "employee ", and who donates his or her work <br />and acts at the direction of and within the scope of <br />duties determined by you, and is not paid a fee, <br />salary or other compensation by you or anyone <br />else for their work performed for you. <br />21. "Your product ": <br />a. Means: <br />(1) Any goods or products, other than real <br />property, manufactured, sold, handled, dis- <br />tributed or disposed of by: <br />(a) You; <br />(b) Others trading under your name; or <br />(c) A person or organization whose busi- <br />ness or assets you have acquired; and <br />(2) Containers (other than vehicles), materials, <br />parts or equipment furnished in connection <br />with such goods or products. <br />b. Includes: <br />(1) Warranties or representations made at any <br />time with respect to the fitness, quality, du- <br />rability, performance or use of "your prod- <br />uct" and <br />CG 00 01 12 07 © ISO Properties, Inc., 2006 Page 15 of 16 11 <br />