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PI-GLD-HS (10/11) <br /> a. $1,000,000; or <br /> b. The amount shown in the Declarations as the Damage to Premises Rented to You Limit. <br /> This is the most we will pay for all damage proximately caused by the same event, whether such <br /> damage results from fire, lightning, explosion, smoke, or leaks from automatic fire protective <br /> systems or any combination thereof. <br /> F. HIPAA <br /> SECTION I—COVERAGES, COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY, <br /> is amended as follows: <br /> 1. Paragraph 1. Insuring Agreement is amended to include the following: <br /> We will pay those sums that the insured becomes legally obligated to pay as damages because <br /> of a "violation(s)" of the Health Insurance Portability and Accountability Act(HIPAA). We have <br /> the right and the duty to defend the insured against any"suit," "investigation," or"civil proceeding" <br /> seeking these damages. However, we will have no duty to defend the insured against any"suit" <br /> seeking damages, "investigation," or"civil proceeding" to which this insurance does not apply. <br /> 2. Paragraph 2. Exclusions is amended to include the following additional exclusions: <br /> This insurance does not apply to: <br /> a. Intentional, Willful, or Deliberate Violations <br /> Any willful, intentional, or deliberate "violation(s)" by any insured. <br /> b. Criminal Acts <br /> Any"violation"which results in any criminal penalties under the HIPAA. <br /> c. Other Remedies <br /> Any remedy other than monetary damages for penalties assessed. <br /> d. Compliance Reviews or Audits <br /> Any compliance reviews by the Department of Health and Human Services. <br /> 3. SECTION V—DEFINITIONS is amended to include the following additional definitions: <br /> a. "Civil proceeding" means an action by the Department of Health and Human Services (HHS) <br /> arising out of"violations." <br /> b. "Investigation" means an examination of an actual or alleged "violation(s)" by HHS. However, <br /> "investigation"does not include a Compliance Review. <br /> c. "Violation" means the actual or alleged failure to comply with the regulations included in the <br /> HIPAA. <br /> Page 4 of 12 <br /> Includes copyrighted material of Insurance Services Office, Inc., with its permission. <br /> ©2011 Philadelphia Indemnity Insurance Company <br />