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COMMERCIAL GENERAL LIABILITY <br /> CG 00 33 04 13 <br /> <br />CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 6 <br /> <br />LIQUOR LIABILITY COVERAGE FORM <br /> <br />Various provisions in this policy restrict coverage. <br />Read the entire policy carefully to determine rights, <br />duties and what is and is not covered. <br />Throughout this policy the words "you" and "your" <br />refer to the Named Insured shown in the Declarations, <br />and any other person or organization qualifying as a <br />Named Insured under this policy. The words "we", <br />"us" and "our" refer to the company providing this <br />insurance. <br />The word "insured" means any person or organization <br />qualifying as such under Section II – Who Is An <br />Insured. <br />Other words and phrases that appear in quotation <br />marks have special meaning. Refer to Section V – <br />Definitions. <br />SECTION I – LIQUOR LIABILITY COVERAGE <br /> 1. Insuring Agreement <br /> a. We will pay those sums that the insured <br />becomes legally obligated to pay as damages <br />because of "injury" to which this insurance <br />applies if liability for such "injury" is imposed on <br />the insured by reason of the selling, serving or <br />furnishing of any alcoholic beverage. We will <br />have the right and duty to defend the insured <br />against any "suit" seeking those damages. <br />However, we will have no duty to defend the <br />insured against any "suit" seeking damages for <br />"injury" to which this insurance does not apply. <br />We may, at our discretion, investigate any <br />"injury" and settle any claim or "suit" that may <br />result. But: <br /> (1) The amount we will pay for damages is <br />limited as described in Section III – Limits <br />Of Insurance; and <br /> (2) Our right and duty to defend ends when we <br />have used up the applicable limit of <br />insurance in the payment of judgments or <br />settlements. <br />No other obligation or liability to pay sums or <br />perform acts or services is covered unless <br />explicitly provided for under Supplementary <br />Payments. <br /> b. This insurance applies to "injury" only if: <br /> (1) The "injury" occurs during the policy period <br />in the "coverage territory"; and <br /> (2) Prior to the policy period, no insured listed <br />under Paragraph 1. of Section II – Who Is <br />An Insured and no "employee" authorized <br />by you to give or receive notice of an <br />"injury" or claim, knew that the "injury" had <br />occurred, in whole or in part. If such a listed <br />insured or authorized "employee" knew, <br />prior to the policy period, that the "injury" <br />occurred, then any continuation, change or <br />resumption of such "injury" during or after <br />the policy period will be deemed to have <br />been known prior to the policy period. <br /> c. "Injury" which occurs during the policy period <br />and was not, prior to the policy period, known <br />to have occurred by any insured listed under <br />Paragraph 1. of Section II – Who Is An Insured <br />or any "employee" authorized by you to give or <br />receive notice of an "injury" or claim, includes <br />any continuation, change or resumption of that <br />"injury" after the end of the policy period. <br /> d. "Injury" will be deemed to have been known to <br />have occurred at the earliest time when any <br />insured listed under Paragraph 1. of Section II <br />– Who Is An Insured or any "employee" <br />authorized by you to give or receive notice of <br />an "injury" or claim: <br /> (1) Reports all, or any part, of the "injury" to us <br />or any other insurer; <br /> (2) Receives a written or verbal demand or <br />claim for damages because of the "injury"; <br />or <br /> (3) Becomes aware by any other means that <br />"injury" has occurred or has begun to occur. <br /> 2. Exclusions <br />This insurance does not apply to: <br /> a. Expected Or Intended Injury <br />"Injury" expected or intended from the <br />standpoint of the insured. This exclusion does <br />not apply to "bodily injury" resulting from the <br />use of reasonable force to protect persons or <br />property. <br /> b. Workers' Compensation And Similar Laws <br />Any obligation of the insured under a workers' <br />compensation, disability benefits or <br />unemployment compensation law or any <br />similar law. <br />DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637