Lynn Shatz 12/3/2019 - Laserfiche WebLink

liberty irom International / Underwriters, Healthcare Professional Liability LIBERTY INSURANCE UNDERWRITERS INC. (A Stock Insurance Company,hereinafter the"Company") MEDICAL PROFESSIONAL LIABILITY OCCURRENCE INSURANCE POLICY-INDIVIDUAL THIS IS AN OCCURRENCE POLICY. PLEASE REVIEW THE POLICY CAREFULLY. The Company agrees with the Named Insured,in consideration of the payment of the premium,and in reliance upon the statements in the Declarations and in the Application and subject to the Limit of Liability,exclusions,conditions and other terms of this policy,as follows: I. COVERAGES A. COVERAGE A,PROFESSIONAL LIABILITY COVERAGE The Company will pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay as Damages because of Bodily Injury or Property Damage caused by an Incident or Personal and Advertising Injury offense, to which this insurance applies in the operation of the business or conduct of the profession of the Named Insured as specified in the Declarations;which occurs during the Policy Period. B. COVERAGE B,GENERAL LIABILITY COVERAGE If indicated by a specific premium in the Declarations,the Company will pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay as Damages because of Bodily Injury, Property Damage or Personal and Advertising Injury to which this insurance applies in the operation of the business or conduct of the profession of the Named Insured as specified in the Declarations, caused by an Occurrence during the Policy Period. This coverage specifically includes the following extensions: 1. Contractual Liability: Bodily Injury or Property Damage resulting from any Incidental Contract relating to the operation of the Named Insured's business, except if such injury or damage occurred prior to the execution of the Incidental Contract; 2. Host Liquor Liability: Bodily Injury or Property Damage arising out of the giving or serving of alcoholic beverages at functions incidental to the Named Insured's business; 3. Damage To Premises Rented To You: Property Damage to structures or portions thereof rented to or leased to the Named Insured,including fixtures permanently attached thereto,if such Property Damage arises out of fire. Solely as respects Damage To Premises Rented To You coverage,all of the exclusions of the policy,other than Exclusions 6,12 and 13 and the Nuclear Energy Liability Exclusion(Broad Form) are deleted; As respects coverage(s)provided by this insurance,the Company shall have the right and duty to defend any Suit against the Insured seeking Damages on account of such Bodily Injury, Property Damage, Personal and Advertising Injury, even if any of the allegations of the Suit are groundless, false or fraudulent, but the Company shall not be obligated to pay any claim or judgment or continue to defend any Suit after the applicable limit of the Company's liability has been exhausted by payment of Damages. The Company,at its option,shall select and assign defense counsel;however,the Named Insured may engage additional counsel, solely at their expense, to associate in the defense of any claim covered hereunder. Claims Expenses incurred by the Company shall be paid in addition to the applicable Limits of Liability. The Company shall also have the right to investigate any claim and/or negotiate the settlement thereof,as it deems expedient, but the Company shall not commit to any settlement without the Named Insured's written consent. If the Named Insured refuses to consent to any settlement recommended in writing by the Company and elects to contest the claim or continue any legal proceedings in connection with such claim, then the Company shall be 1 15 HCPL-2037i(01/14)