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DocuSign Envelope ID:8C7A270E-432E-42E0-A5B7-5136E53010EC <br /> PI-BELL-1 (11/09) <br /> means any physical damage to the body caused by violence, fracture or an accident. <br /> L. "Key individual replacement expenses" mean the following necessary expenses: <br /> 1. Costs of advertising the employment position opening; <br /> 2. Travel, lodging, meal and entertainment expenses incurred in interviewing job applicants <br /> for the employment position opening; and <br /> 3. Miscellaneous extra expenses incurred in finding, interviewing and negotiating with the job <br /> applicants, including, but not limited to, overtime pay, costs to verify the background and <br /> references of the applicants and legal expenses incurred to draw up an employment <br /> contract. <br /> M. "Natural catastrophe" means hurricane, tornado, earthquake or flood. <br /> N. "Non-reimbursable expenses" means the following travel-related expenses incurred after a <br /> seventy-two (72) hour waiting period, beginning from the time documented on the proof of <br /> cancellation, and for which your director or officer produces a receipt: <br /> 1. Meals and lodging; <br /> 2. Alternative transportation; <br /> 3. Clothing and necessary toiletries; and <br /> 4. Emergency prescription and non-prescription drug expenses. <br /> 0. "Political unrest" means: <br /> 1. A short-term condition of disturbance, turmoil or agitation within a foreign country that <br /> poses imminent risks to the security of citizens of the United States; <br /> 2. A long-term condition of disturbance, turmoil or agitation that makes a foreign country <br /> dangerous or unstable for citizens of the United States; or <br /> 3. A condition of disturbance, turmoil or agitation in a foreign country that constrains the <br /> United States Government's ability to assist citizens of the United States, due to the closure <br /> or inaccessibility of an embassy or consulate or because of a reduction of its staff <br /> for which either an alert or travel warning has been issued by the United States Department of <br /> State. <br /> P. "Principal location" means the headquarters, home office or main location where most business <br /> is substantially conducted. <br /> Q. "Unforeseeable destruction" means damage resulting from a "certified act of terrorism,"fire, <br /> collision or collapse which renders all of the insured's"principal locations" completely unusable. <br /> R. "Workplace violence" means any intentional use of or threat to use deadly force by any person <br /> with intent to cause harm and that results in bodily"injury" or death of any person while on the <br /> insured's premises. <br /> Page 8 of 8 <br /> ©2009 Philadelphia Indemnity Insurance Company <br />