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o. War
<br />"Personal and advertising injury", however caused,
<br />arising, directly or indirectly, out of:
<br />(1) War, including undeclared or civil war;
<br />(2) Warlike action by a military force, including
<br />action in hindering or defending against an
<br />actual or expected attack, by any government,
<br />sovereign or other authority using military
<br />personnel or other agents; or
<br />(3) Insurrection, rebellion, revolution, usurped power,
<br />or action taken by governmental authority in
<br />hindering or defending against any of these.
<br />p. Internet Advertisements And Content Of Others
<br />"Personal and advertising injury" arising out of:
<br />(1) An "advertisement" for others on your web site;
<br />(2) Placing a link to a web site of others on your
<br />web site;
<br />(3) Content, including information, sounds, text,
<br />graphics, or images from a web site of others
<br />displayed within a frame or border on your web
<br />site; or
<br />(4) Computer code, software or programming used
<br />to enable:
<br />(a) Yourweb site; or
<br />(b) The presentation or functionality of an
<br />"advertisement' or other content on your
<br />web site.
<br />q. Right Of Privacy Created By Statute
<br />"Personal and advertising injury" arising out of the
<br />violation of a person's right of privacy created by
<br />any state or federal act
<br />However, this exclusion does not apply to liability
<br />for damages that the insured would have in the
<br />absence of such state or federal act,
<br />r. Violation Of Anti -Trust law
<br />"Personal and advertising injury" arising out of a
<br />violation of any anti-trust law.
<br />s. Securities
<br />"Personal and advertising injury" arising out of the
<br />fluctuation in price or value of any stocks, bonds or
<br />other securities.
<br />t. Discrimination Or Humiliation
<br />"Personal and advertising injury" arising out of
<br />discrimination or humiliation committed by or at the
<br />direction of any "executive officer", director,
<br />stockholder, partner or member of the insured.
<br />u. Employment -Related Practices
<br />"Personal and advertising 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 "personal and
<br />advertising injury" to that person at whom any
<br />"employment-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 />v. Asbestos
<br />(1) "Personal and advertising injury" arising out of
<br />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 />COVERAGE C MEDICAL PAYMENTS
<br />1. Insuring Agreement
<br />a. We will pay medical expenses as described below
<br />for "bodily injury" caused by an accident
<br />(1) On premises you own or rent;
<br />(2) On ways next to premises you own or rent; or
<br />(3) Because of your operations;
<br />provided that:
<br />(1) The accident takes place in the "coverage
<br />territory" and during the policy period;
<br />(2) The expenses are incurred and reported to us
<br />within three years of the date of the accident;
<br />and
<br />(3) The injured person submits to examination, at
<br />our expense, by physicians of our choice as
<br />often as we reasonably require.
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