ORANGE COUNTY ASSOCIATION FOR MENTAL HEALTH - 2014

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COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1, Insuring Agreement a. We will pay those sums that the insured be- comes legally obligated to pay as damages be- cause of "personal and advertising injury" 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 "personal and ad- vertising injury" to which this insurance does not apply. We may, at our discretion, investl- gate any offense and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III — Limits Of Insurance ; and (2) Our right and duty to defend end when we have used up the applicable limit of insur- ance in the payment of judgments or set- tlements under Coverages A or B or medi- cal expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless ex- plicitly provided for under Supplementary Pay- ments — Coverages A and B. b. This insurance applies to "personal and adver- tising injury" caused by an offense arising out of your business but only if the offense was com- mitted in the "coverage territory" during the pol- icy period. 2. Exclusions This insurance does not apply to: a, "Personal and advertising injury ": (1) Caused by or at the direction of the insured with the knowledge that the act would vio- late the rights of another and would inflict "personal and advertising injury "; (2) Arising out of oral or written publication of material, if done by or at the direction of the insured with knowledge of its falsity; (3) Arising out of oral or written publication of material whose first publication took place before the beginning of the policy period; (4) Arising out of a criminal act committed by or at the direction of any insured; (6) Arising out of a breach of contract, except an implied contract to use another's adver- tising idea in your "advertisement "; (7) Arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your "adver- tisement'; (8) Arising out of the wrong description of the price of goods, products or services stated in your "advertisement' (9) Committed by an insured whose business is advertising, broadcasting, publishing or telecasting. However, this exclusion does not apply to Paragraphs 14.a., b. and c. of "personal and advertising injury" under the Definitions Section; or (10) Arising out of the actual, alleged or threat- ened discharge, dispersal, seepage, migra- tion, release or escape of "pollutants" at any time. b. Any loss, cost or expense arising out of any (1) Request, demand or order that any insured or others test for, monitor, clean up, re- move, contain, treat, detoxify or neutralize, or in any way respond to, or assess the ef- fects or, "pollutants "; or (2) Claim or suit by or on behalf of a govern- mental authority for damages because of testing for, monitoring, cleaning up, remov- ing, containing, treating, detoxifying or neu- tralizing, or in any way responding to, or as- sessing the effects of, "pollutants ". COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for "bodily injury" caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations; provided that: (1) The accident takes place in the "coverage territory" and during the policy period; (2) The expenses are incurred and reported to us within one year of the date of the acci- dent; and (5) For which the insured has assumed liability (3) The injured person submits to examination, in a contract or agreement. This exclusion at our expense, by physicians of our choice does not apply to liability for damages that as often as we reasonably require, the insured would have in the absence of the contract or agreement; CG 00 01 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 5 of 13 C