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<br /> . 1, nter" ts. .
<br /> Healthcare Professional Liability 1,1 xrl - -rites„
<br /> "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general
<br /> conditions,which results in Bodily Injury or Property Damage,neither expected nor intended from the standpoint
<br /> of any Insured or Advertising Injury;
<br /> "Personal and advertising injury" means injury,including consequential bodily injury,arising out of one or more
<br /> of the following offenses:
<br /> A. False arrest,detention or imprisonment;
<br /> B. Malicious prosecution;
<br /> C. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room,
<br /> dwelling or premises that a person occupies,committed by or on behalf of its owner,landlord or lessor;
<br /> D. Oral or written publication, in any manner, of material that slanders or libels a person or organization or
<br /> disparages a person's or organization's goods,products or services;
<br /> E. Oral or written publication,in any manner,of material that violates a person's right of privacy;
<br /> F. The use of another's advertising idea in the Named Insured's advertisement;or
<br /> G. Infringing upon another's copyright,trade dress or slogan in the Named Insured's advertisement;
<br /> "Policy Period"means,whenever used in this policy,the period from the inception date of this policy to the policy
<br /> expiration date as set forth in the Declarations or its earlier termination date,if any;
<br /> "Products Hazard"includes Bodily Injury and Property Damage arising out of the Named Insured's Products
<br /> or reliance upon a representation or warranty made at any time with respect thereto,but only if the Bodily Injury or
<br /> Property Damage occurs away from the premises owned by or rented to the Named Insured and after physical
<br /> possession of such products has been relinquished to others. Equipment specifically designed,made or altered by the
<br /> Insured for a patient or client in the performance of the Insured's profession or operation of business,shall not be
<br /> included in the"Products Hazard";
<br /> "Property Damage"means:
<br /> A. physical injury to or destruction of tangible property which occurs during the Policy Period,including the loss of
<br /> use thereof at any time resulting therefrom;or
<br /> B. loss of use of tangible property which has not been physically injured or destroyed provided such loss of use is
<br /> caused by an Occurrence during the Policy Period;or
<br /> C. economic loss,whether or not resulting from physical injury or damage to person or property,except if such loss
<br /> was caused, or alleged to have been caused, in whole or part, by anti-trust, breach of contract, price-fixing,
<br /> restraint of trade or unfair business practices by any Insured;
<br /> "Suit"includes lawsuit and/or arbitration proceedings to which the Insured is required to submit to or to which the
<br /> Insured has submitted with the Company's consent;
<br /> "Underground Property Damage Hazard" includes Underground Property Damage as defined herein and
<br /> Property Damage to any other property at any time resulting therefrom. "Underground Property Damage"
<br /> means Property Damage to wires, conduits, pipes, mains, sewers, tanks, tunnels, any similar property, and any
<br /> apparatus in connection therewith,beneath the surface of the ground or water,caused by and occurring during the use
<br /> of mechanical equipment for the purpose of grading land,paving,excavating, drilling,burrowing, filling,back-filling
<br /> or pile driving. The Underground Property Damage Hazard does not include Property Damage:
<br /> A. arising out of operations performed for the Named Insured by independent contractors;or
<br /> B. included within the Completed Operations Hazard;or
<br /> C. of which liability is assumed by the Insured under an Incidental Contract.
<br /> "Utilization Review"means:
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<br /> HCPL-2037i(01/14)
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