2019-312-E Health - Bonitz Floor covering Whitted

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DocuSign Envelope ID:B4147DBA-A745-4301-8830-4D6AA065FFFF Zurich Policy#AUC2791382-22(Policy Term 4/1/2019-4/1/2020) 2. Electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, Ca-RAMS, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 3. Loss means those sums actually paid that the insured is legally obligated to pay as damages for the settlement or satisfaction of a claim because of injury or offense, after making proper deductions for all recoveries and salvage. However: a. Under Coverage A: (1) Loss also includes defense expenses and supplementary payments if underlying insurance includes defense expenses and supplementary payments in the Limits of Insurance; and (2) Loss does not include defense expenses and supplementary payments if underlying insurance does not include defense expenses and supplementary payments in the Limits of Insurance. b. Under Coverage B., loss does not include defense expenses and supplementary payments. 4. Other insurance means a policy of insurance providing coverage that this policy also provides. Other insurance includes any type of self-insurance or other mechanisms by which an insured arranges for funding of legal liabilities. Other insurance does not include underlying insurance or a policy of insurance specifically purchased to be excess of this policy providing coverage that this policy also provides. 5. Pollutants mean any man-made or naturally occurring solid, liquid, gaseous or thermal irritant or contaminant, including but not limited to: smoke; vapor; soot; fumes; acids; alkalis; chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 6. Suit means a civil proceeding in which injuries or damages to which this insurance applies are alleged. Suit includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit pursuant to law or contract or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 7. Underlying insurance means the policy or policies of insurance listed in the Schedule of Underlying Insurance forming a part of this policy. We will only be liable for amounts in excess of the Limits of Insurance shown in the Schedule of Underlying Insurance for any underlying insurance. B. The following definitions are applicable to Coverage A only: 1. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be. 2. Insured means: a. You; b. Any person or organization included as an insured in underlying insurance; and c. Any person or organization qualifying as an additional insured in underlying insurance but only to the same extent that such person or organization is an additional insured under such underlying insurance. 3. Non-Admitted Jurisdiction means: a. Any country or political subdivision in which we are not licensed or permitted to insure risks and where doing so would violate the insurance laws and regulations of such jurisdiction; or b. Any country or political subdivision where we are prevented by law from investigating,defending or settling an occurrence or suit. 4. Occurrence means a covered event as defined in underlying insurance. 5. Qualified Entity means any entity, person or organization that is not an insured under this policy and would qualify as an insured under this policy, but for the fact that the entity is registered, domiciled or has ongoing operations in a non-admitted jurisdiction. U-UMB-103-C CW(03/10) Page 10 of 19