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COMMERCIAL GENERAL LIABILITY • COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "youP refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words'We", "us"and "our" refer to the compa- ny providing this insurance. The word "insured" means any person or organization qualifying as such under WHO IS AN INSURED (SECTION II). Other words and phrases that appear in quotation marks have special meaning. Refer to DEFINITIONS (SECTION V). SECTION I-COVERAGES Ij COVERAGE A. BODILY INJURY AND PROPERTY DAM- \ I AGE LIABILITY ~ 1. Insuring Agreement. a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury' or "property damage" to which this insurance applies. We will have the right and duty to defend any "suit" seeking those damages. We may at our discretion investigate any'bccurrence' and settle any claim or "suit' that may result. But: (1) The amount we will pay for damages is limit- ed as described in LIMITS OF INSURANCE • (SECTION III); and (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or per- form acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS-COVERAGES A AND B. b. This insurance applies to "bodily injury' and "prop- erty damage" only if: (1) The "bodily injury' or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; and (2) The "bodily injury' or "property damage" oc- curs during the policy period. c. Damages because of "bodily injury' include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury' 2. Exclusions. • This insurance does not apply to: exclusion does not apply to "bodily injury" result- ingfrom the use of reasonable force to protect per- sons or property. b. "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agree- ment. This exclusion does not apply to liability for damages: (1) Assumed in a contract or agreement that is an "insured contract', provided the "bodily in- jury' or "property damage" occurs subsequent to the execution of the contract or agreement; or (2) That the insured would have in the absence of the contract or agreement. c. "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a per- son under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcohol- ic beverages. This exclusion applies only if you are in the busi- ness of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. d. Any obligation of the insured under a workers' compensation, disability benefits or unemploy- ment compensation law or any similar law. e. "Bodily injury' to: (1) An employee of the insured arising out of and in the course of employment by the insured; or (2) The spouse, child, parent, brother or sister of that employee as a consequence of (U above. This exclusion applies: a. "Bodily injury' or "property damage" expected or (1) Whether the insured may be liable as an em- intended from the standpoint of the insured. This ployer or in any other capacity; and CG 00 01 11 88 Copyright, Insurance Services Offce, Inc, 1982, 1988 Page 1 of 9