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Page 6 of 22 Form HG 00 01 09 16
<br />This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic
<br />expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of
<br />that which is described in Paragraph (1) or (2) above.
<br />However, unless Paragraph (1)above applies, this exclusion does not apply to damages because of "bodily
<br />injury".
<br />As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used
<br />on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks,
<br />CD-ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically
<br />controlled equipment.
<br />q. Employment-Related Practices
<br />"Bodily injury" to:
<br />(1)A person arising out of any "employment-related practices"; or
<br />(2)The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" to that person at
<br />whom any "employment-related practices" are directed.
<br />This exclusion applies:
<br />(1)Whether the injury-causing event described in the definition of "employment-related practices" occurs before
<br />employment, during employment or after employment of that person;
<br />(2)Whether the insured may be liable as an employer or in any other capacity; and
<br />(3)To any obligation to share damages with or repay someone else who must pay damages because of the
<br />injury.
<br />r. Asbestos
<br />(1)"Bodily injury" or "property damage" arising out of the "asbestos hazard".
<br />(2)Any damages, judgments, settlements, loss, costs or expenses that:
<br />(a)May be awarded or incurred by reason of any claim or suit alleging actual or threatened injury or damage
<br />of any nature or kind to persons or property which would not have occurred in whole or in part but for the
<br />"asbestos hazard";
<br />(b)Arise out of any request, demand, order or statutory or regulatory requirement that any insured or others
<br />test for, monitor, clean up, remove, encapsulate, contain, treat, detoxify or neutralize or in any way
<br />respond to or assess the effects of an "asbestos hazard"; or
<br />(c)Arise out of any claim or suit for damages because of testing for, monitoring, cleaning up, removing,
<br />encapsulating, containing, treating, detoxifying or neutralizing or in any way responding to or assessing
<br />the effects of an "asbestos hazard".
<br />s. Recording And Distribution Of Material Or Information In Violation Of Law
<br />"Bodily injury" or "property damage" arising directly or indirectly out of any action or omission that violates or is
<br />alleged to violate:
<br />(1)The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law;
<br />(2)The CAN-SPAM Act of 2003, including any amendment of or addition to such law;
<br />(3)The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and
<br />Accurate Credit Transaction Act (FACTA); or
<br />(4)Any federal, state or local statute, ordinance or regulation, other than the TCPA or CAN-SPAM Act of 2003 or
<br />FCRA and their amendments and additions, that addresses, prohibits or limits the printing, dissemination,
<br />disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.
<br />Damage To Premises Rented To You - Exception For Damage By Fire, Lightning Or Explosion
<br />Exclusions c.through h.and j.through n.do not apply to damage by fire, lightning or explosion to premises while
<br />rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to
<br />this coverage as described in Section III - Limits Of Insurance.
<br />COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY
<br />1. Insuring Agreement
<br />a.We will pay those sums that the insured becomes legally obligated to pay as damages because of "personal and
<br />advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against
<br />any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking
<br />damages for "personal and advertising injury" to which this insurance does not apply. We may, at our discretion,
<br />investigate any offense and settle any claim or "suit" that may result. But:
<br />Docusign Envelope ID: C0C02768-82C9-473A-904B-51774C892C63
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