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10. EXPECTED OR INTENDED INJURY (PROPERTY DAMAGE) The Expected Or Intended Injury exclusion under Coverage A Bodily Injury and Property Damage is replaced by: 'Bodily injury" or'property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to'bodily injury" or `property damage" resulting from the use of reasonable force to protect persons or property. 11. INCIDENTAL MALPRACTICE — EMPLOYED PHYSICIANS, NURSES, Ell AND PARAMEDICS a. Under Section II - Who Is An Insured, the paragraph that excludes an employee or volunteer worker as Insured for 'bodily injury"or'personal and advertising injury'arising out of his or her providing or failing to provide professional health care services does not apply to a physician, dentist, nurse, emergency medical technician or paramedic employed by you if you are not engaged in the business or occupation of providing medical, paramedical, surgical, dental, x-ray or nursing services. b. The insurance afforded by this provision is excess over any other valid and collectible insurance whether such insurance is primary, excess, contingent or on any other basis. Any payments by us will follow the Other Insurance — Excess Insurance provisions in the COMMERCIAL GENERAL LIABILITY CONDITIONS. 12. MEDICAL PAYMENTS - INCREASED LIMITS AND TIME PERIOD In the Insuring Agreement under Coverage C Medical Payments, the requirement that expenses are incurred and reported to us within one year of the date of the accident is changed to three years. a. The Medical Expense Limit is $15,000 per person or the amount shown in the Declarations as the Medical Expense Limit, whichever is greater. b. This provision 12. does not apply if Coverage C -Medical Payments is otherwise excluded either by the provisions of the Coverage Form or by endorsement. 13. MOBILE EQUIPMENT - SELF-PROPELLED SNOW REMOVAL, ROAD MAINTENANCE AND STREET CLEANING EQUIPMENT The following is added to the 'mobie equipment"definilion: Vehicles maintained primarily for purposes other than the transportation of persons or cargo that are self- propelled vehicles of less than 1,000 pounds gross vehicle weight with the following types of permanently attached equipment will be considered'tnobile equipment". a. Snow removal; b. Road maintenance, but not construction or resurfacing; or c. Street cleaning. 14. NEWLY FORMED OR ACQUIRED ORGANIZATIONS Under Section II - Who Is An Insured, the time period limitation for newly acquired or formed organizations is replaced by: Coverage under this provision is afforded only until the end of the current policy period. 15. NON -OWNED AIRCRAFT The Aircraft, Auto Or Watercraft exclusion under Coverage A Bodily Injury And does not apply to an aircraft that is: 1 Hired, chartered or loaned with a paid crew; and 2 Not owned by any insured. NC& VCG 207 11 13 Includes copyrighted material of Insurance SerHces Office, Inc. Page 5 of 8 Copyright, OneBeacon Insurance Group LLC