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(1) Professional health care services such as: <br />(a) Medical, surgical, dental, laboratory, x- <br />ray or nursing services or treatment, <br />advice or instruction, or the related <br />furnishing of food or beverages; <br />(b) Any health or therapeutic service, <br />treatment, advice or instruction; or <br />(c) The furnishing or dispensing of drugs <br />or medical, dental, or surgical supplies <br />or appliances; or <br />(2) First aid services, which include: <br />(a) Cardiopulmonary resuscitation, <br />whether performed manually or with a <br />defibrillator; or <br />(b) Services performed as a Good <br />Samaritan. <br />For the purpose of determining the limits of <br />Insurance, any act or omission together with <br />all related acts or omissions in the furnishing <br />of these services to any one person will be <br />considered one "occurrence". <br />However, this Incidental Medical Malpractice <br />And Good Samaritan Coverage provision <br />applies only if you are not engaged in the <br />business or occupation of providing any of the <br />services described in this provision. <br />2. Exclusions <br />This insurance does not apply to: <br />a. Expected Or Intended Injury <br />"Bodily injury" or "property damage" expected <br />or intended from the standpoint of the <br />insured. This exclusion does not apply to <br />"bodily injury" or "property damage" resulting <br />from the use of reasonable force to protect <br />persons or property. <br />b. Contractual Liability <br />"Bodily injury" or "property damage" for which <br />the insured is obligated to pay damages by <br />reason of the assumption of liability in a <br />contract or agreement. This exclusion does <br />not apply to liability for damages: <br />(1) That the insured would have in the <br />absence of the contract or agreement; or <br />(2) Assumed in a contract or agreement that <br />is an "insured contract", provided the <br />"bodily injury" or "property damage" <br />occurs subsequent to the execution of the <br />contract or agreement. Solely for the <br />purposes of liability assumed in an <br />"insured contract", reasonable attorney <br />fees and necessary litigation expenses <br />incurred by or for a party other than an <br />insured are deemed to be damages <br />because of "bodily injury" or "property <br />damage", provided: <br />Page 2 of 21 <br />(a) Liability to such party for, or for the <br />cost of, that party's defense has also <br />been assumed in the same "insured <br />contract" and <br />(b) Such attorney fees and litigation <br />expenses are for defense of that party <br />against a civil or alternative dispute <br />resolution proceeding in which <br />damages to which this insurance <br />applies are alleged. <br />c. Liquor Liability <br />"Bodily injury" or "property damage" for which <br />any insured may be held liable by reason of: <br />(1) Causing or contributing to the intoxication <br />of any person; <br />(2) The furnishing of alcoholic beverages to a <br />person under the legal drinking age or <br />under the influence of alcohol; or <br />(3) Any statute, ordinance or regulation <br />relating to the sale, gift, distribution or use <br />of alcoholic beverages. <br />This exclusion applies even if the claims <br />against any insured allege negligence or <br />other wrongdoing in: <br />(a) The supervision, hiring, employment, <br />training or monitoring of others by that <br />insured; or <br />(b) Providing or failing to provide <br />transportation with respect to any <br />person that may be under the influence <br />of alcohol; <br />if the "occurrence" which caused the "bodily <br />injury" or "property damage", involved that <br />which is described in Paragraph (1), (2) or (3) <br />above. <br />However, this exclusion applies only if you <br />are in the business of manufacturing, <br />distributing, selling, serving or furnishing <br />alcoholic beverages. For the purposes of this <br />exclusion, permitting a person to bring <br />alcoholic beverages on your premises, for <br />consumption on your premises, whether or <br />not a fee is charged or a license is required <br />for such activity, is not by itself considered the <br />business of selling, serving or furnishing <br />alcoholic beverages. <br />d. Workers' Compensation And Similar Laws <br />Any obligation of the insured under a workers' <br />compensation, disability benefits or <br />unemployment compensation law or any <br />similar law. <br />e. Employer's Liability <br />"Bodily injury" to: <br />(1) An "employee" of <br />and in the course c <br />W11,11 <br />RWR �t IX*I 1 <br />REVIEWED& APPPROVED BY. <br />RISk IV�nagCip@Rt RnzlySf <br />