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1 <br />BUSINESS LIABILITY COVERAGE FORM <br />Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what <br />is and is not covered. <br />Throughout this policy the words "you" and "your' refer to the Named Insured shown in the Declarations. The words <br />"we ", "us" and "our" refer to the stock insurance company member of The Hartford providing this insurance. <br />The word "insured" means any person or organization qualifying as such under Section C. - Who Is An Insured. <br />Other words and phrases that appear in quotation marks have special meaning. Refer to Section G. - Liability And <br />Medical Expenses Definitions. <br />A. COVERAGES <br />1. BUSINESS LIABILITY COVERAGE (BODILY <br />INJURY, PROPERTY DAMAGE, PERSONAL <br />AND ADVERTISING INJURY) <br />Insuring Agreement <br />a. We will pay those sums that the insured <br />becomes legally obligated to pay as <br />damages because of "bodily injury", <br />"property damage" or "personal and <br />advertising injury" to which this insurance <br />applies. We will have the right and duty to <br />defend the insured against any "suit" <br />seeking those damages. However, we will <br />have no duty to defend the insured against <br />any "suit" seeking damages for "bodily <br />injury", "property damage" or "personal and <br />advertising injury" to which this insurance <br />does not apply. <br />We may, at our discretion, investigate any <br />"occurrence" or offense and settle any claim <br />or "suit" that may result. But: <br />(1) The amount we will pay for damages is <br />limited as described in Section D. - <br />Liability And Medical Expenses Limits <br />Of Insurance; and <br />(2) Our right and duty to defend ends when <br />we have used up the applicable limit of <br />insurance in the payment of judgments, <br />settlements or medical expenses to which <br />this insurance applies. <br />No other obligation or liability to pay sums or <br />perform acts or services is covered unless <br />explicitly provided for under Coverage <br />Extension - Supplementary Payments. <br />b. This insurance applies: <br />(1) To "bodily injury" and "property <br />damage" only if: <br />(a) The "bodily injury" or "property <br />damage" is caused by an <br />"occurrence" that takes place in the <br />"coverage territory"; <br />(b) The "bodily injury" or "property <br />damage" occurs during the policy <br />period; and <br />(c) Prior to the policy period, no insured <br />listed under Paragraph 1. of Section <br />C. — Who Is An Insured and no <br />"employee" authorized by you to give <br />or receive notice of an "occurrence" <br />or claim, knew that the "bodily injury" <br />or "property damage" had occurred, <br />in whole or in part. If such a listed <br />insured or authorized "employee" <br />knew, prior to the policy period, that <br />the "bodily injury" or "property <br />damage" occurred, then any <br />continuation, change or resumption <br />of such "bodily injury" or "property <br />damage" during or after the policy <br />period will be deemed to have been <br />known prior to the policy period. <br />(2) To "personal and advertising injury" <br />caused by an offense arising out of your <br />business, but only if the offense was <br />committed in the "coverage territory" <br />during the policy period. <br />c. "Bodily injury" or "property damage" will be <br />deemed to have been known to have <br />occurred at the earliest time when any <br />insured listed under Paragraph 1, of Section <br />C. — Who Is An Insured or any "employee" <br />authorized by you to give or receive notice <br />of an "occurrence" or claim: <br />(1) Reports all, or any part, of the "bodily <br />injury" or "property damage" to us or <br />any other insurer; <br />Form SS 00 08 04 05 Page 1 of 24 <br />© 2005, The Hartford <br />