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Healthcare Professional Liability
<br />from the Insured's activities or the activities of others and whether or not such is sudden, gradual, accidental,
<br />intended, foreseeable, expected, fortuitous or inevitable and wherever or however such occurs.
<br />But this exclusion shall not apply to Bodily Injury or Property Damage caused by heat, smoke or fumes
<br />from a Hostile Fire unless such fire involves:
<br />a. materials which are or were at any time used for the handling, storage, disposal, processing or treatment of
<br />waste; or
<br />b. any premises, site or location:
<br />L which is or was at any time used for handling, storage, disposal, processing or treatment of waste; or
<br />ii. on which any Insured or contractors or subcontractors working directly or indirectly on any
<br />Insured's behalf are performing operations to test for, monitor, cleanup, remove, contain, treat,
<br />detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants;
<br />7. to Bodily Injury or Property Damage due to war, whether or not declared, civil war, insurrection, rebellion
<br />or revolution or to any act or condition Incident to any of the foregoing;
<br />8. to Bodily Injury or Property Damage for which the Insured or the Insured's indemnitee may be liable:
<br />a. as a person or organization engaged in the business of manufacturing, distributing, selling or serving
<br />alcoholic beverages; or
<br />b. if not so engaged, as an owner or lessor of premises used for such purposes, if such liability is imposed by,
<br />or because of, the violation of any statute, ordinance or regulation pertaining to the sale, gift, distribution
<br />or use of any alcoholic beverage, including the selling, serving or giving of any alcoholic beverage to a
<br />minor,
<br />9. to Property Damage included within:
<br />a, the Explosion Hazard;
<br />b. the Collapse Hazard;
<br />C. the Underground Property Damage Hazard,
<br />10. to any dishonest, fraudulent, criminal or malicious actor omission of any Insured;
<br />11. to any claim made by an employer against an Insured if the Insured is a salaried employee of such employer;
<br />12. to acts or omissions by any Insured expected or intended to cause Bodily Injury or Property Damage
<br />regardless or whether or not such act or omission was intended to cause the specific Bodily Injury or
<br />Property Damage sustained. This exclusion shall not apply to any intentional act by or at the direction of the
<br />Insured which results in Bodily Injury, if such Bodily Injury arises solely from the use of reasonable force
<br />for the purpose of protecting persons or property;
<br />13. to liability assumed by any Insured under any contract or agreement except to the extent:
<br />a. such Insured would be liable in the absence of such contract or agreement, including liability assumed by
<br />any Insured under a contract or agreement with a Health Maintenance Organization, Preferred Provider
<br />Organization, Independent Practice Association, or any other similar organization;
<br />b. the contract or agreement is an Incidental Contract and COVERAGE B, GENERAL. LIABILITY
<br />COVERAGE has been purchased;
<br />14. to Bodily Injury or Property Damage arising out of the ownership, maintenance, operation, use, loading or
<br />unloading of:
<br />a. any Automobile or aircraft owned or operated by or rented or loaned to any Insured, or
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<br />HCPL-2037 (Ed. 11/09)
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