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Healthcare Professional Liability <br />"Advertising Injtuy" means injury arising out of an offense committed during the Policy Period occurring in the <br />course of the Named Insured's advertising activities, if such injury arises out of libel, slander, defamation, <br />violation or right of privacy, piracy, or infringement of copyright, title or slogan; <br />"Assault" means any willful attempt or threat to inflict injury upon the person of another, when coupled with an <br />apparent present ability to do so, and any intentional display of force such as would give the victim reason to fear or <br />expect immediate bodily harm; <br />"Automobile" means any land motor vehicle, tractor, trailer or semi -trailer designed for travel on public roads <br />(including any machinery or apparatus attached thereto), but does not include Mobile Eq ipment; <br />"Bodily Injury" means bodily injury, sickness or disease, mental anguish, psychological injury or emotional distress <br />sustained by any person which occurs during the Policy Period including death at any time resulting therefrom; <br />"Claims Expenses" means: <br />A. fees charged by an attorney(s) and/or independent adjustor(s) designated by the Company and all other fees, <br />costs and expenses resulting from the investigation, adjustment, defense and appeal of a claim, Suit or <br />proceedings arising in connection therewith, if incurred by the Company, or by the Insured with written <br />consent of the Company, but does not include salary charges or expenses of regular employees or officials of <br />the Company; <br />B. all costs taxed against the Insured in such Suits and all interest on the entire amount of any judgment therein <br />which accrues after entry of the judgement and before the Company has paid, tendered or deposited, whether <br />in court or otherwise, the part of the judgement which does not exceed the limit of the Company's liability; <br />C. premiums on appeal bonds and premiums on bonds to release attachments in such Suits, but not for bond <br />amounts in excess of the applicable Limit of Liability of this policy, but the Company shall have no obligation <br />to apply for or furnish any such bond; <br />"Collapse Hazard" includes "Structural Property Damage" as defined herein and Property Damage to any <br />other property at any time resulting therefrom. "Structural Property Damage" means the collapse of or structural <br />injury to any building or structure due to: <br />A. grading of land, excavating, burrowing, filling, back -filling, tunneling, pile driving, cofferdam work or caisson <br />work; or <br />B. moving, shoring, underpinning, razing or demolition of any building or structure or removal or rebuilding of <br />any structural support thereof. <br />The Collapse Hazard does not include Property Damage: <br />A. arising out of operations performed for the Named Insured by independent contractors; or <br />B. included within the Completed Operations Hazard or the Underground Property Damage Hazard; or <br />C. for which liability is assumed by the Insured tinder an Incidental Contract; <br />"Completed Operations Hazard" includes Bodily Injury and Property Damage arising out of operations or <br />reliance upon a representation or warranty made at any time with respect thereto, but only if the Bodily Injury or <br />Property Damage occurs after such operations have been completed or abandoned and occurs away from <br />premises owned by or rented to the Named Insured. "Operations" includes materials, parts or equipment <br />furnished in connection therewith. Operations shall be deemed completed at the earliest of the following tines: <br />A. when all operations to be performed by or on behalf of the Named Insured under the contract have been <br />completed; or <br />B. when all operations to be performed by or on behalf of the Named Insured at the site of the operations have <br />been completed; or <br />14 <br />HCPL-2037 (Ed. 11/09) <br />