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COMMERCIAL GENERAL LIABILITY COVERAGE FORM Venous provisions 1n this policy restrict coverage. Reed the entire policy careful ly to determine rights, duties end whet 1s and is not c~ red. ~ghout this policy the rords 'you' and 'your' re ier to the Named Insured shorn in the Declared ons, end any other person or orgenixatton qualifying as a Nerved Insured under this policy. The rords 're', 'us' and 'our' refer to the company providing this insurance. The cord 'insured' means any person or orgenizeti on qualifying as such under YNO ]S AN INSURED (SECTION II). Jther rords end phrases that appear in quotation marks have special meaning. Refer to DEFINITIONS (SECTION V). SECTION I-COVERAGES COVERAGE A. BODILY INJURY ANO PROPERT7 DAMAGE LIABILITY 1. Insuring Agreement. a. Ye rill Day those sums that insured becomes legally obligated to Dey es damages because of 'bodily injury' or 'property demege' to rhich this insurance applies. Ye rill have the right end duty to defend any 'suit' seeking those damages. Ye may at our discretion lnvestigete any 'occurrence' end settle any claim or 'suit' that may result. But: (1) The amount re rill pay for damages is limited es descrl bed 1n LIMITS OF INSURANCE (SECTION ]I1); end (2) Our right and duty to defend end chars re have used up the apPliceble limit of insurance in the payment of judgements or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS-COVERAGES A AND B. b. This insurance applies to 'bodily injury' end 'property demege' only if: (1) The 'bodily injury' or "property dnmege' is caused by en 'occurrence' that takes D1ace in the 'coverage territory'; and (2) the "bodily injury" or "property demege• occurs during the policy perl od. e. 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: e. "Bodily injury' or 'property demege' expected ar intended from the standpoint of the insured. This exclusion does not eDD1Y to 'bodily Injury' resulting from the use of reasonable forte to protect persons or property. • b. "Bodily injury' or 'property demege' for rhlch the Insured is obligated to pay damages by reason of the assumption of liability 1n a cant ract or agreement. This exclusion does not apply to liability for damages: (1) Assumed in a contract or agreement that is an 'insured contract', provided the "bodily injury' or 'property damage' occurs subsequent to the execution of the contract or agreement; or (2) The the insured could have in the absence of the contract or agreement. e. "Bodily injury' or 'property demege" for rhlch any insurctl may be held liable by reason of: (1) Causf ng or contributing to the intaxicetton of any person; (2) The furnishing of elcoholtc beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statue, or ordinance or reguletton relating to the sale, gift, di strlbution or use of elcoholtc beverages. This exclusion applies only if you ere in the business of menufetturi ng, distri 6uting, selling, serving or furnishing alcoholic beverages. d. Any obligati on of the insured under a corkers' compensation, disability benefits or unemployment compensation lac or any similar lac. e. "Bodily injury" to: (1) An employee of the tnsu red arising out of and in the course of employment by the insured; ar (2) The spouse, Child, parent, brother or sister of the employee es a consequence of (1) above. This exclusion applies: (1) Yhether the insured may be liable as an employer ar in any other capacity; end (2) To any obligati on to share damages with or repay someone else rho must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under en 'insured contract'. f. (1) 'Bodily injury' or "property damage' arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants: (e) At or from any premises, site or location which is ar res et any time owned or ottuDied by, or rented or loaned to, any insured; (b) At or from any premises, site or lotetion which is or vas et any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of caste; (c) Yhich ere or were at any time transported, handled, stored, treated, disposed of, or processed as caste by or for any insured or any person or orgenizetion for whom you may 6e legally responsible; or (d) At or from any premises, site or location on which any insured or any coot rectors or subcontre[tors corking directly or indirectly on any insured's behalf are performing operations: (1] if the pollutants ere brought on or to the premises, site or lotetion in connection with such operations 6y such insured, contractor ar subcontractor; or (1 t) if the operations ere to test for, monitor, clean up, renwve, contain, treat, detoxify or neutralize, or in any ray respond to, or assess the effects of pollutants. • Subparagraphs (e) end (tl) (i) do not apply to 'bodily Injury' or 'property damage' arising out of heat, smoke or fumes Form No. CG 00 O1 11 88 Copyright Insurance Services Office, Inc.