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Healthcare Professional Liability
<br />E. FIRST AID REIMBURSEMENT
<br />Up to j$2,500, for all medical related expenses for which the Insured has voluntarily made payment or
<br />incurred, for fust aid rendered to others as a result of any Bodily Injury done to another, covered by this
<br />policy, which happens during the Policy Period. ��—
<br />This provision does not apply to Bodily Injury to any person as defined as an Insured in this policy.
<br />The first aid must be provided within a 48-hour period after the injury happens.
<br />Nq. EXCLUSIONS
<br />This insurance does not apply:
<br />1. with respect to Advertising Injury:
<br />a. to any Insured in the business of advertising, broadcasting, publishing or telecasting, or
<br />b. to any injury arising out of any act committed by any Insured with actual malice;
<br />2. to Advertising Injury arising out of:
<br />a. failure of performance of contract, but this exclusion does not apply to the unauthorized appropriation of
<br />ideas based upon alleged breach of implied contract; or
<br />b. infringement of trademark, service mark or trade name, other than titles or slogans, by use thereof on or in
<br />connection with goods, products or services sold, offered for sale or advertised; or
<br />c. incorrect description or mistake in advertised price of goods, products or services sold, offered for sale or
<br />advertised;
<br />3. to any obligation for which the Insured, or any carrier as his/her insurer, may be held liable under any
<br />workers' compensation, unemployment compensation or disability benefits law, or under any similar law;
<br />4. to Bodily Injury or Personal Injury to any employee of the Insured arising out of and in the course of
<br />his/her employment by the Insured or to any obligation of the Insured to indemnify another because of
<br />Damages arising out of such injury;
<br />5. to Bodily Injury or Property Damage arising out of the ownership, maintenance, operation, use, loading or
<br />unloading of:
<br />a. any watercraft owned or operated by or rented or loaned to any Insured; or
<br />b. any other watercraft operated by any person in the course of his/her employment by any Insured.
<br />This exclusion does not apply to any watercraft under 26 feet in length provided such watercraft is neither
<br />owned by the Named Insured nor being used to carry persons or property for a charge. Irrespective of this
<br />coverage, where the Insured is covered or protected by other insurance against any loss or claim which would
<br />otherwise have been paid by the Company under this policy there shall be no contribution or participation by
<br />this Company on the basis of excess, contributing, deficiency, concurrent, or double insurance or otherwise;
<br />6. to any claim, action, judgement, liability, settlement, loss, defense, cost or expense in anyway arising out of
<br />actual, alleged or threatened pollution, contamination or any environmental impairment resulting from seepage,
<br />discharge, dispersal, release or escape of any solid, liquid, gaseous or radioactive matter including, but not
<br />limited to, smoke, vapors, soots, fumes, acids, alkalis, chemicals or toxic matter, or waste material (including
<br />materials to be recycled, reconditioned or reclaimed); or. oil or other petroleum substances or derivatives
<br />(including oil refuse or oil mixed with waste), or thermal or vibratory effect including, but not limited to, sound
<br />or noise, heat or cold, into or upon land, the atmosphere or any water course or body of water, underground
<br />water or water table supplies, whether such results directly, indirectly or in concurrence or in any sequence
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<br />I-ICPIr2037 (Ed. 11/09)
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