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COVERAGE B PERSONAL AND ADVERTISING <br />INJURY LIABILITY <br />1. Insuring Agreement <br />m. We will pay those sums that the insured be- <br />comes legally obligated 10pay oadamages be- <br />cause of "personal and advertising injury" to <br />which this insurance applies. We will have the <br />right and duty hudefend the insured against any <br />'.suit" seeking those damages. However, mnwill <br />have no duty to defend the insured aQm|nei any <br />"suit" seeking damages for "personal and ad- <br />verboing injury" to which this insurance does <br />not upp|y. We may, at our diporetiun, investi- <br />gate any offense and settle any claim or "suit" <br />that may result. But: <br />(1) The amount we will pay for damages is <br />limited as described in SeoUnm U|—Ucnho <br />0fInsurance �. and <br />(2) Our right and duty to defend end when we <br />have used up the applicable limit ofinsur- <br />ance in the payment ofjudgments orset- <br />tlements under Coverages 4orB ormedi- <br />cal expenses under Coverage C. <br />No other obligation or liability to pay sums or <br />perform acts or services is covered unless ex- <br />plicitly provided for under Supplementary Pay- <br />ments — Coverages A and B. <br />al+menta—Coveragnm4ondB. <br />b. This insurance applies to"personal and adver- <br />tising injury" caused <br />dver-tiuinginjmry"uaused by umoffense arising out of <br />your business but only if the offense was com- <br />mitted inthe "coverage territory" during the pol- <br />icy period. <br />2. Exclusions <br />This insurance does not apply to: <br />a- "Personal and advertising injury": <br />(1�) Caused byoretthe direction of the insured <br />with the knowledge that the pct *mw|d vio- <br />late the rights of another and would inflict <br />"personal and advertising irjury"; <br />(2) Arising out of oral or written publication of <br />material, ifdone byoratthe direction ofthe <br />insured with knowledge ofits falsity; <br />(3) Arising out of oral or written publication of <br />material whose first pubfication took place <br />before the beginning ofthe policy period, <br />(4) Arising out ufecriminal act committed byor <br />atthe direction ofany insured; <br />(6) Arising out of a breach of contract, except <br />an implied contract to use another's adver- <br />tising idea in, your "'advertisement"; <br />dver-tioing|deaimyour~odvertisemenr; <br />(7) Arising out of the tei|uns of goods, products <br />nrservices toconform with any statement of <br />quality or performance made in your "adver- <br />tisement"; <br />([) Arising out ufthe wrong description of the <br />price of goods, products or services stated <br />inyour "odvortioomnent"; <br />KD Committed byami:insuredwhose business is <br />mdvartiaing, broadcasting, publishing or <br />telecasting. Howover, this exclusion does <br />mut apply to Paragraphs 14.a., b. and c. of <br />~peroomm| and advertising irjury` under the <br />Definitions Section; or <br />(10) Arising out of the actual, alleged orthreat- <br />ened diaoharge. dispersal, seepage, migra- <br />dnn.release orescape of"poUutanby''sdany <br />time. <br />b. Any loss, cost nrexpense arising out ofmny� <br />(1) Requeat, demand or order that any insured <br />or others test for, monitor' clean up, r* - <br />move, conbain, treat, detoxify or neutralize, <br />or in any way respond to, or assess the ef- <br />fects of, <br />f-feotaof, "pollutants"; or <br />(2) Claim or suit byornn behalf ufm govern- <br />mental authority for dmmnaQme because of <br />testing for, monitoring, cleaning <br />remov- <br />ing, containing, \n*mbng, detoxifying or neu- <br />tna|izing, or in any way responding to, uras- <br />sessing the effects of, ''po||utamtu- <br />COVERAGE CMEDICAL PAYMENTS <br />1. Insuring Agreement <br />a We will pay medicalexpenses as described <br />below for "bodily inju9^caused byanaccident: <br />(1) Onpremises you own orrent; <br />(2) On ways next to premises you own orrent; <br />or <br />(3) Because ofyour npmro§ona; <br />provided that: <br />(1) The accident takes place in the "coverage <br />territnD/'and during the policy period; <br />(2) The expenses are incurred and reported to <br />um within one year of the date of the aooi- <br />dent;mnd <br />(5) For which the insured has assumed liability (3) The injured person submits to axamimmhom, <br />in o contract or agreement. This exclusion at our expemow, by physicians ofour choice <br />does not apply to naomq/ for ournage« that as often aawmreasonably require. <br />the insured would have in the absence of <br />the contract nragreement; <br />CG 00 01 07 98 Copyright. Insurance Services Office, Inc., 1997 Page of 1!3 O <br />