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HISCOX PROTM General Liability Coverage Part (Occurrence)
<br /> Claim expenses means all reasonable and necessary fees,costs,and expenses(including the fees of attorneys
<br /> and experts)incurred in the investigation,defense,or appeal of a claim.
<br /> Coverage territory means anywhere in the world,but this Coverage Part will apply only to a claim brought in the
<br /> United States,its territories or possessions,or Canada.
<br /> Damages means any monetary amount you are ordered to pay by a court,or by an arbitrator in an
<br /> arbitration to which we have consented.
<br /> However,damages does not include any civil,regulatory,or criminal fines,restitution,
<br /> disgorgement,sanctions,taxes,or penalties,including those imposed by any federal,state,or
<br /> local governmental authority,or any multiple,punitive,or exemplary damages.
<br /> Damages because of bodily injury includes care,loss,or services,or death resulting at any time
<br /> from the bodily injury.
<br /> Employee means any person employed by you,including any leased worker,but does not include a
<br /> temporary worker.
<br /> Hostile fire means a fire that becomes uncontrollable or breaks out from where it was intended to be.
<br /> Impaired property means tangible property,other than your product or your work,that cannot be used or is less
<br /> useful because:
<br /> 1. it incorporates your product or your work that is known or thought to be defective,
<br /> deficient,inadequate,or dangerous;or
<br /> 2. you have failed to fulfill the terms or conditions of a contract or agreement;
<br /> if such property can be restored to use by:
<br /> 1. the repair,replacement,adjustment,or removal of your product or your work;or
<br /> 2. your fulfilling the terms or conditions of the contract or agreement.
<br /> Insured contract means:
<br /> 1. a contract for the lease of premises,but not any portion of the lease that indemnifies any
<br /> person or organization for damage by fire to premises while rented to you or temporarily
<br /> occupied by you with permission of the owner;
<br /> 2. a sidetrack agreement;
<br /> 3. an easement or license agreement,except in connection with construction or demolition
<br /> operations on or within 50 feet of a railroad;
<br /> 4. an obligation,as required by ordinance,to indemnify a municipality,except in connection
<br /> with work for a municipality;
<br /> 5. an elevator maintenance agreement;or
<br /> 6. any other contract or agreement pertaining to your business(including an indemnification of
<br /> a municipality in connection with work performed for such municipality)in which you assume
<br /> the tort liability of another to pay damages sustained by a third party to which this Coverage
<br /> Part would apply.Tort liability means liability that would be imposed by law in the absence of
<br /> any contract or agreement.
<br /> However,an insured contract does not include that part of any contract or agreement:
<br /> 1. that indemnifies a railroad for bodily injury or property damage arising out of construction
<br /> or demolition operations on or within 50 feet of any railroad property and affecting any
<br /> railroad bridge or trestle,tracks,roadbeds,tunnel,underpass,or crossing;
<br /> 2. that indemnifies an architect,engineer,or surveyor for damages arising out of:
<br /> a. preparing,approving,or failing to prepare or approve maps,drawings,opinions,
<br /> reports,surveys,field orders,change orders,designs,or specifications;or
<br /> b. giving or failure to give directions or instructions,if that is the primary cause of the
<br /> injury or damage;or
<br /> Includes copyrighted material of Insurance
<br /> Services Offices,Inc.,with its permission
<br /> WCL P0002 CW(10/14) Page 16 of 19
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