ILLUMINATION FOUNDATION (6) - 2015

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COVERAGE B PERSONAL -AND ADVERTISING INJURY LIABILITY 1: Insuring Ag reement a:- We will pay those slims that the insimeri comes legally obligated to pay as damage; cause 'of "personal and advertising injur Which this insurance applies`. We will:havf hp- be- the have no duty to defend the Insured against any "suit" seeking damages for "oorsonal and ad- Vertising injury" to which this insurance does not apply. We may, at our discretion,, investi- gate any offense and settle any'ciaim 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 "irisur- ahce'in the paymenf of Judgments or set- dements urider:Coverages A or B or medi- cal expenses.under Coverage C. No othor' obligation or liability to pay sulmg or perform -acts or services Is covered unless ex- plicltly- provided for under Supplementary Pay - Monts — Coverages A and B. b. This insurance applies to "peimonal and advee- tising injury' caused by an offense arising ouEof your business but only if the offense was corn .- mitted in the "coverage'territory ":during the pol- icy period. 2. Exclusions This insurarce does notapplyta: a: "Persona{ and advertising injury ": (1) Caused by or at the direction of the insured With the knowledge that -tho Int wonfd Vin- 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 itsifalsity;. (3) Arising out of oral or written publication of material Whose first pubIleation 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; (5) For which the insured L has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement; (6j 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 goodsi products or services to conform with any statement; of quality or performance made in your "adver - tisemert "; (8) Arfsing.out;of the wrong description of ttie price of goods, products or services stated in your "advertisement ";; (9) Committed by an insutod'whocc 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 Sectioh; -or (10) 'Arising out -of the actual, alleged or threat< tined :discharge; dispersal, seepage, migra- tion, release or escape of "pollutants" at any .time. b. Any loss, dost:or expensb arising out of any; (1) Request, :demand or order that any insured or others test for, ;monitor, clean up, xe- move, contain, treat; detoxify :or neutralize, cr in any Way rospond to, or assess the ef- fects of, "pollutants "', or (2) Claim or 'suit by or on behalf of a govern- mental authority for damages because of testing tor, monitoring, cleaning.up remov- ing,. containing, treating; .detoxifying or neu- tralizing., or in any way .responding 'to, oras- - 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 nwri.cr 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; aid (3) The injured: person submits to examination` at our expense, by physicians of`our choice as often as we reasonably require. CG 666167 08 Copyright, Insurance Services Office Inc., 1907