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6. "Coverage territory" means:
<br />a. The United States of America (including its territories
<br />and possessions), Puerto Rico and Canada;
<br />b. International waters or airspace, but only if the
<br />injury or damage occurs in the course of travel or
<br />transportation between any places included in a.
<br />above;or
<br />c. All other parts of the world if the injury or damage
<br />arises out of:
<br />(1) Goods or products made or sold by you in the
<br />territory described in a. above;
<br />(2) The activities of a person whose home is in the
<br />territory described in a. above, but is away for a
<br />short time on your business; or
<br />(3) "Personal and advertising injury" offenses that
<br />take place through the Internet or similar
<br />electronic means of communication
<br />provided the insured's responsibility to pay damages is
<br />determined in the United States of America (including its
<br />territories and possessions), Puerto Rico or Canada, in a
<br />"suit" on the merits according to the substantive law in
<br />such territory or in a settlement we agree to.
<br />7. "Employee" includes a "leased worker". "Employee"
<br />does not include a "temporary worker".
<br />8. "Employment -Related Practices" means:
<br />a. Refusal to employ a person;
<br />b. Termination of a person's employment; or
<br />c. Employment -related practices, policies, acts or
<br />omissions, such as coercion, demotion, evaluation,
<br />reassignment, discipline, defamation, harassment,
<br />humiliation or discrimination directed at a person.
<br />9. "Executive officer" means a person holding any of the
<br />officer positions created by your charter, constitution,
<br />by-laws or any other similar governing document.
<br />10."Hostile fire" means one which becomes uncontrollable
<br />or breaks out from where it was intended to be.
<br />11."Impaired property" means tangible property, other
<br />than "your product" or "your work", that cannot be used
<br />or is less useful because:
<br />a. It incorporates "your product" or "your work" that is
<br />known or thought to be defective, deficient,
<br />inadequate or dangerous; or
<br />b. You have failed to fulfill the terms of a contract or
<br />agreement;
<br />if such property can be restored to use by:
<br />a. The repair, replacement, adjustment or removal of
<br />"your product" or "your work"; or
<br />b. Your fulfilling the terms of the contract or agreement.
<br />12. "Insured contract" means:
<br />a. A contract for a lease of premises. However, that
<br />portion of the contract for a lease of premises that
<br />indemnifies any person or organization for damage
<br />by fire, lightning or explosion to premises while
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<br />rented to you or temporarily occupied by you with
<br />permission of the owner is subject to the Damage
<br />to Premises Rented To You Limit described in
<br />Section III — Limits of Insurance;
<br />b. A sidetrack agreement;
<br />c. Any easement or license agreement, including an
<br />easement or license agreement in connection with
<br />construction or demolition operations on or within
<br />50 feet of a railroad;
<br />d. An obligation, as required by ordinance, to
<br />indemnify a municipality, except in connection with
<br />work for a municipality;
<br />e. An elevator maintenance agreement;
<br />That part of any other contract or agreement
<br />pertaining to your business (including an
<br />indemnification of a municipality in connection with
<br />work performed for a municipality) under which you
<br />assume the tort liability of another party to pay for
<br />"bodily injury" or "property damage" to a third
<br />person or organization, provided the "bodily injury"
<br />or "property damage" is caused, in whole or in part,
<br />by you or by those acting on your behalf. Tort
<br />liability means a liability that would be imposed by
<br />law in the absence of any contract or agreement.
<br />Paragraph f. includes that part of any contract or
<br />agreement that indemnifies a railroad for "bodily
<br />injury" or "property damage" arising out of
<br />construction or demolition operations, within 50 feet
<br />of any railroad property and affecting any railroad
<br />bridge or trestle, tracks, road -beds, tunnel,
<br />underpass or crossing.
<br />However, Paragraph f. does not include that part of
<br />any contract or agreement:
<br />(1) That indemnifies an architect, engineer or
<br />surveyor for injury or damage arising out of:
<br />(a) Preparing, approving, or failing to prepare or
<br />approve, maps, shop drawings, opinions,
<br />reports, surveys, field orders, change orders
<br />or drawings and specifications; or
<br />(b) Giving directions or instructions, or failing to
<br />give them, if that is the primary cause of the
<br />injury or damage; or
<br />(2) Under which the insured, if an architect, engineer
<br />or surveyor, assumes liability for an injury or
<br />damage arising out of the insured's rendering or
<br />failure to render professional services, including
<br />those listed in (1) above and supervisory,
<br />inspection, architectural or engineering activities.
<br />13. "Leased worker" means a person leased to you by a
<br />labor leasing firm under an agreement between you
<br />and the labor leasing firm, to perform duties related to
<br />the conduct of your business. "Leased worker" does
<br />not include a "temporary worker".
<br />14. "Loading or unloading" means the handling of property:
<br />a. After it is moved from the place where it is accepted
<br />for movement into or onto an aircraft, watercraft or
<br />"auto";
<br />HG 00 0106 05
<br />REVIEWED BY: ��� EUNICE HEREDIA (PG I1OF
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