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*AAn HISCOX PRU General Liability Coverage Part (Occurrence) I. What is covered A. Bodily Injury and property We will pay up to the coverage part limit for damages you become legally obligated to pay damage because of bodily injury or property damage to which lilts Coverage Part applies, provided: 1. the bodily injury or property damage occurs during the policy period; 2. the bodily injury or property damage Is caused by an occurrence that takes place In the coverage territory; and 3. you have paid the applicable retention stated in the Declarations. We will have the right and duty to defend any claim seeking such damages, as set out in Section II. Defense and supplementary payments. We may, at ourdlscretion, Investigate any occurrence and settle any claim that may result. B. Personal and advertising We will pay up to the Personal and Advertising Injury Limit stated in the Declarations for damages injury you become legally obligated to pay because of personal and advertising injury to which this Coverage Part applies, provided: 1. the personal and advertising Injury Is caused by an offense arising out of your business operations; 2. the personal and advertising Injury Is caused by an offense committed in the coverage territory during the policy period; and 3. you have paid the applicable retention stated in the Declarations. Ws will have the right and duty to defend any claim seeking such damages, as set out in Section II, Defense and supplementary payments. We may, at our discretion, Investigate any offense and settle any claim that may result C. Medical payments Regardless of fault, we will pay up to the Medical Payments limit stated in the Declarations for medical expenses incurred by each person for bodily Injury caused by an accident to which this Coverage Part applies, provided; 1. the accident takes place within the coverage territory and on premises rented to or owned by you or In connection with your business operations; 2. the accident occurs during the policy period; 3. the expenses are incurred and reported to us wghln one year of the date of the accident; and 4. the person who sustained such bodily Injury submits to examination, at our expense, by physicians of our choice as often as we reasonably require. II. Defense and supplementary payments A. Claims against you With respect to any claim against you that we Investigate, defend, or settle, we will pay: 1. claim expenses we incur with counsel of our choice to defend you; 2. up to $2,500 for the cost of ball bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the bodily Injury coverage described in Section I. What is covered, A. Bodily Injury and property damage, applies, but we will have no obligation to apply for or furnish any such bonds; 3. the cost of bonds to release attachments, but only for bond amounts Within the applicable limit. We will have no obligation to apply for or furnish any such bonds; 4. reasonable expenses Incurred by you at our request to assist us In the investigation or defense of such claim, including actual loss of earnings up to $1,000 a day because of time off from work; Includes copyrighted material of Insurance Services Offices, Inc., with Its pennlsslon WCL P0002CW (10114) Page 1 of 19