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UMBRELLA
<br />limits of insurance of this policy when such
<br />expenses are within the limits of insurance of the
<br />applicable "underlying insurance".
<br />B. The General Aggregate Limit is the most we will
<br />pay for the sum of all:
<br />1. Damages; and
<br />2. Defense expenses if such expenses are
<br />within the limits of insurance of this policy;
<br />except:
<br />1. Damages and defense expenses because of
<br />"bodily injury" or "property damage" included
<br />in the "auto hazard";
<br />2. Damages and defense expenses because of
<br />"bodily injury" or "property damage" included
<br />in the "products -completed operations
<br />hazard": or
<br />3. Damages and defense expenses for which
<br />insurance is provided under any Aircraft
<br />Liability coverage included as "underlying
<br />insurance" to which no aggregate limit
<br />applies.
<br />C. The Products -Completed Operations Aggregate
<br />Limit is the most we will pay for the sum of all:
<br />1. Damages; and
<br />2. Defense expenses if such expenses are
<br />within the limits of insurance of this policy;
<br />because of "bodily injury" or "property damage"
<br />included in the "products -completed operations
<br />hazard".
<br />D. Subject to Paragraph B. or C. above, whichever
<br />applies, the Occurrence Limit is the most we will
<br />pay for the sum of all:
<br />1. Damages, and defense expenses if such
<br />expenses are within the limits of insurance of
<br />this policy, under Coverage A arising out of
<br />any one "event" to which the "underlying
<br />insurance" applies a limit of insurance that is
<br />separate from any aggregate limit of
<br />insurance; and
<br />2. Damages under Coverage B because of all
<br />"bodily injury", "property damage", "personal
<br />injury" or "advertising injury" arising out of any
<br />one "occurrence".
<br />For the purposes of determining the applicable
<br />Occurrence Limit, all related acts or omissions
<br />committed in the providing or failing to provide
<br />first aid or "Good Samaritan services" to any one
<br />person will be considered one "occurrence".
<br />E. The Crisis Management Service Expenses Limit
<br />is the most we will pay for the sum of all "crisis
<br />management service expenses" arising out of all
<br />"crisis management events". Payment of such
<br />"crisis management service expenses" is in
<br />addition to, and will not reduce, any other limit of
<br />insurance of this policy.
<br />F. The limits of insurance of this policy apply
<br />separately to each consecutive annual period and
<br />to any remaining period of less than 12 months,
<br />starting with the beginning of the policy period
<br />shown in the Declarations. If the policy period is
<br />extended after issuance for an additional period of
<br />less than 12 months, the additional period will be
<br />deemed part of the last preceding period for
<br />purposes of determining the limits of insurance.
<br />SECTION IV — EXCLUSIONS
<br />This insurance does not apply to:
<br />A. With respect to Coverage A and Coverage B:
<br />1. Asbestos
<br />a. Damages arising out of the actual or
<br />alleged presence or actual, alleged or
<br />threatened dispersal of asbestos,
<br />asbestos fibers or products containing
<br />asbestos, provided that the damages are
<br />caused or contributed to by the hazardous
<br />properties of asbestos.
<br />b. Damages arising out of the actual or
<br />alleged presence or actual, alleged or
<br />threatened dispersal of any solid, liquid,
<br />gaseous or thermal irritant or
<br />contaminant, including smoke, vapors,
<br />soot, fumes, acids, alkalis, chemicals and
<br />waste, and that are part of any claim or
<br />"suit" which also alleges any damages
<br />described in Paragraph a. above.
<br />c. Any loss, cost or expense arising out of
<br />any:
<br />(1) Request, demand, order or statutory
<br />or regulatory requirement that any
<br />insured or others test for, monitor,
<br />clean up, remove, contain, treat,
<br />detoxify or neutralize, or in any way
<br />respond to, or assess the effects of,
<br />asbestos, asbestos fibers or products
<br />containing asbestos; or
<br />(2) Claim or "suit" by or on behalf of any
<br />governmental authority or any other
<br />person or organization because of
<br />testing for, monitoring, cleaning up,
<br />removing, containing, treating,
<br />detoxifying or neutralizing, or in any
<br />way responding to, or assessing
<br />the effects of, asbestos, asbestos
<br />fibers or products containing asbestos.
<br />2. Employment -Related Practices
<br />Damages because of injury to:
<br />a. A person arising out of any:
<br />(1) Refusal to employ that person;
<br />(2) Termination g.
<br />employment; RWrAtmuga to tDlv)mnn
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<br />Risk Management Analyst
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