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n. Recall Of Products, Work Or Impaired
<br />Property
<br />Damages claimed for any loss, cost or expense
<br />incurred by you or others for the loss of use,
<br />withdrawal, recall, inspection, repair, replacement,
<br />adjustment, removal or disposal of:
<br />(1) "Your product";
<br />(2) "Your work"; or
<br />(3) "Impaired property";
<br />if such product, work, or property is withdrawn or
<br />recalled from the market or from use by any person
<br />or organization because of a known or suspected
<br />defect, deficiency, inadequacy or dangerous
<br />condition in it.
<br />o. Personal And Advertising Injury
<br />"Bodily injury" arising out of "personal and
<br />advertising injury".
<br />p. Electronic Data
<br />Damages arising out of the loss of, loss of use of,
<br />damage to, corruption of, inability to access, or
<br />inability to manipulate electronic data.
<br />As used in this exclusion, electronic data means
<br />information, facts or programs stored as or on,
<br />created or used on, or transmitted to or from
<br />computer software, including systems and
<br />applications software, hard or floppy disks, CD-
<br />ROMS, tapes, drives, cells, data processing
<br />devices or any other media which are used with
<br />electronically controlled equipment.
<br />cl. Employment -Related Practices
<br />"Bodily injury" to:
<br />(1) A person arising out of any "employment—
<br />related practices"; or
<br />(2) The spouse, child, parent, brother or sister of
<br />that person as a consequence of "bodily injury"
<br />to that person at whom any "employment-
<br />related practices" are directed.
<br />This exclusion applies:
<br />(1) Whether the insured may be liable as an
<br />employer or in any other capacity; and
<br />(2) To any obligation to share damages with or
<br />repay someone else who must pay damages
<br />because of the injury.
<br />r. Asbestos
<br />(1) "Bodily injury" or "property damage" arising out
<br />of the "asbestos hazard".
<br />(2) Any damages, judgments, settlements, loss,
<br />costs or expenses that:
<br />(a) May be awarded or incurred by reason of
<br />any claim or suit alleging actual or
<br />threatened injury or damage of any nature or
<br />kind to persons or property which would not
<br />have occurred in whole or in part but for the
<br />"asbestos hazard";
<br />(b) Arise out of any request, demand, order or
<br />statutory or regulatory requirement that any
<br />insured or others test for, monitor, clean up,
<br />remove, encapsulate, contain, treat, detoxify
<br />or neutralize or in any way respond to or
<br />assess the effects of an "asbestos hazard";
<br />or
<br />(c) Arise out of any claim or suit for damages
<br />because of testing for, monitoring, cleaning
<br />up, removing, encapsulating, containing,
<br />treating, detoxifying or neutralizing or in any
<br />way responding to or assessing the effects
<br />of an "asbestos hazard".
<br />Damage To Premises Rented To You — Exception
<br />For Damage By Fire, Lightning Or Explosion
<br />Exclusions c, through In. and j, through n. do not apply
<br />to damage by fire, lightning or explosion to premises
<br />while rented to you or temporarily occupied by you with
<br />permission of the owner. A separate limit of insurance
<br />applies to this coverage as described in Section III —
<br />Limits Of Insurance.
<br />COVERAGE B PERSONAL AND ADVERTISING
<br />INJURY LIABILITY
<br />1. Insuring Agreement
<br />a. We will pay those sums that the insured becomes
<br />legally obligated to pay as damages because of
<br />"personal and advertising injury" to which this
<br />insurance applies. We will have the right and duty
<br />to defend the insured against any "suit" seeking
<br />those damages. However, we will have no duty to
<br />defend the insured against any "suit" seeking
<br />damages for "personal and advertising injury" to
<br />which this insurance does not apply. We may, at
<br />our discretion, investigate any offense and settle
<br />any claim or "suit" that may result. But:
<br />(1) The amount we will pay for damages is limited
<br />as described in Section III — Limits Of
<br />Insurance; and
<br />(2) Our right and duty to defend end when we have
<br />used up the applicable limit of insurance in the
<br />payment of judgments or settlements under
<br />Coverages A or B or medical expenses under
<br />Coverage C.
<br />No other obligation or liability to pay sums or
<br />perform acts or services is covered unless explicitly
<br />provided for under Supplementary Payments —
<br />Coverages A and B.
<br />b. This insurance applies to "personal and advertising
<br />injury" caused by an offense arising out of your
<br />business but only if the offense was committed in
<br />the "coverage territory" during the policy period.
<br />HG 00 0106 05 Page 5 of 18
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