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BUSINESS LIABILITY COVERAGE FORM <br /> Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what <br /> is and is not covered. <br /> Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words <br /> "we", "us"and "our"refer to the stock insurance company member of The Hartford providing this insurance. <br /> The word "insured" means any person or organization qualifying as such under Section C. -Who Is An Insured. <br /> Other words and phrases that appear in quotation marks have special meaning. Refer to Section G. - Liability And <br /> Medical Expenses Definitions. <br /> A. COVERAGES (a) The "bodily injury" or "property <br /> 1. BUSINESS LIABILITY COVERAGE (BODILY damage" is caused by an <br /> INJURY, PROPERTY DAMAGE, PERSONAL "occurrence" that takes place in the <br /> AND ADVERTISING INJURY) "coverage territory"; <br /> Insuring Agreement (b) The "bodily injury" or "property <br /> damage" occurs during the policy <br /> a. We will pay those sums that the insured period; and <br /> becomes legally obligated to pay as (c) Prior to the policy period, no insured <br /> damages because of "bodily injury", listed under Paragraph 1. of Section <br /> "property damage" or "personal and C. — Who Is An Insured and no <br /> advertising injury" to which this insurance "employee"authorized by you to give <br /> applies. We will have the right and duty to or receive notice of an "occurrence" <br /> defend the insured against any "suit" or claim, knew that the "bodily injury" <br /> seeking those damages. However, we will or "property damage" had occurred, <br /> have no duty to defend the insured against in whole or in part. If such a listed <br /> any "suit" seeking damages for "bodily insured or authorized "employee" <br /> injury", "property damage" or "personal and knew, prior to the policy period, that <br /> advertising injury" to which this insurance the "bodily injury" or "property <br /> does not apply. damage" occurred, then any <br /> We may, at our discretion, investigate any continuation, change or resumption <br /> "occurrence" or offense and settle any claim of such "bodily injury" or "property <br /> or"suit"that may result. But: damage" during or after the policy <br /> (1) The amount we will pay for damages is period will be deemed to have been <br /> limited as described in Section D. - known prior to the policy period. <br /> Liability And Medical Expenses Limits (2) To "personal and advertising injury" <br /> Of Insurance; and caused by an offense arising out of your <br /> (2) Our right and duty to defend ends when business, but only if the offense was <br /> we have used up the applicable limit of committed in the "coverage territory" <br /> insurance in the payment of judgments, during the policy period. <br /> settlements or medical expenses to which c. "Bodily injury" or "property damage" will be <br /> this insurance applies. deemed to have been known to have <br /> No other obligation or liability to pay sums or occurred at the earliest time when any <br /> perform acts or services is covered unless insured listed under Paragraph 1. of Section <br /> explicitly provided for under Coverage C. — Who Is An Insured or any "employee" <br /> Extension-Supplementary Payments. authorized by you to give or receive notice <br /> of an "occurrence" or claim: <br /> b. This insurance applies: <br /> (1) To "bodily injury" and "property (1) Reports all, or any part, of the "bodily <br /> damage"only if: injury" or "property damage" to us or <br /> any other insurer; <br /> Form SS 00 08 04 05 Page 1 of 24 <br /> © 2005, The Hartford <br />