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CHICAGO INSURANCE COMPANY <br /> (A stock insurance company, herein called the Company) <br /> Executive Offices:33 W. Monroe Street <br /> Chicago, Illinois 60603 <br /> MEDICAL PROFESSIONAL LIABILITY <br /> OCCURRENCE INSURANCE POLICY <br /> The Company agrees with the Named Insured, in consideration of the payment of the premium, and 'n reliance upon the <br /> statements in the Declarations and in the application and subject to the limit of liability,exclusions,conditions and otherterms of <br /> this policy,as follows: <br /> I. COVERAGES: <br /> A. COVERAGE A, PROFESSIONAL LIABILITY COVERAGE <br /> If indicated by a specific premium in the Declarations,the Company will pay on behalf of the Insured all sums <br /> which the Insured shall become legally obligated to pay as Damages because of Bodily Injury or Property <br /> Damage caused by an Incident, or Personal Injury,to which this insurance applies in the operation of the <br /> business or conduct of the profession of the Named Insured as specified in the Declarations;which occurs <br /> during the Policy Period. <br /> B. COVERAGE B, GENERAL LIABILITY COVERAGE <br /> If indicated by a specific premium in the Declarations,the Company will pay on behalf of the Insured all sums <br /> which the Insured shall become legally obligated to pay as Damages because of Bodily Injury, Property <br /> Damage or Advertising Injury to which this insurance applies in the operation ofthe business or conduct of the <br /> profession of the Named Insured as specified in the Declarations,caused by an Occurre ice during the Policy <br /> Period.This coverage specifically includes the following extensions: <br /> 1. Contractual Liability: Bodily Injury or Property Damage resulting f�om any Incidental <br /> Contract relating to the operation of the Named Insured's business,e)cept if such injury or <br /> damage occurred prior to the execution of the Incidental Contract; <br /> 2. Host Liquor Liability:Bodily Injury or Property Damage arising out of the giving or serving of <br /> alcoholic beverages at functions incidental to the Named Insured's bu:riness; <br /> 3. Fire Legal Liability:Property Damage to structures or portions thereof ranted to or leased to <br /> the Named Insured, including fixtures permanently attached thereto, if such Property <br /> Damage arises out of fire. Solely as respects Fire Legal Liability (;overage, all of the <br /> exclusions of the policy,other than Exclusions 6, 12 and 13 and the Nuclear Energy Liability <br /> Exclusion (Broad Form) are deleted; <br /> As respects coverage(s) provided by this insurance,the Company shall have the right and dut,to defend any Suit <br /> against the Insured seeking Damages on account of such Bodily Injury, Property Damage, Personal Injury or <br /> Advertising Injury,even if any of the allegations of the Suit are groundless,false or fraudulent,but the Company shall <br /> not be obligated to pay any claim or judgement or continue to defend any Suit after the applicable limit of the <br /> Company's liability has been exhausted by payment of Damages. <br /> The Company, at its option, shall select and assign defense counsel; however, the Named Insured may engage <br /> additional counsel, solely at their expense, to associate in the defense of any claim covered hereunder. Claims <br /> Expenses incurred by the Company shall be paid in addition to the applicable limits of liability.The Companyshall also <br /> have the right to investigate any claim and/or negotiate the settlement thereof,as it deems expedient,but the Company <br /> shall not commit to any settlement without the Named Insured's written consent. If the Names/ Insured refuses to <br /> consent to any settlement recommended in writing by the Company and elects to contestthe claim or continue any legal <br /> proceedings in connection with such claim,then the Company shall be relieved of any further duty to defend the claim, <br /> and the liability of the Company for Damages and Claims Expenses shall not exceed the amount for which the claim <br /> could have been settled as well as the Claims Expenses incurred by the Company orwith the Company's consent upto <br /> the date of such refusal.The Insured shall not admit liability,nor assume any obligations,incur any costs,charges,or <br /> expenses or enter into any settlement without the Company's written consent. <br /> II. PERSONS INSURED: Each of the following is an Insured under this policy to the extent set forth below: <br /> A. If the Named Insured is an individual,the Named Insured so designated in the Declarations; <br /> B. If the Named Insured is a sole proprietorship,the Named Insured so designated in the Declarations; <br /> PLJ-2037(05196)(Ed.09111) Q 2011,Fireman's Fund Insurance Company,Novato,CA. All rights reserved Page 2 of 13 <br />