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J. Non Stacking Of Limits The following is added to Section III - Limits Of Insurance: If two or more policies or Coverages issued by us apply to the same insured and these policies or Coverages also apply to the same claim or "suit", the maximum amount we will pay as damages under all of the policies or Coverages will not exceed the highest applicable Limit of Insurance that applies to any one of the policies or Coverages. This condition does not apply to any insurance that was purchased specifically to apply in excess of the applicable Limits of Insurance shown in the Declarations. K. Transfer Of Rights Of Recovery Against Others To Us The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us under Section IV - Commercial General Liability Conditions: The insured may waive the insurer's rights of recovery prior to the occurrence of a loss, provided the waiver is made in a written contract. L. Liberalization The following is added to Section IV - Commercial General Liability Conditions: If we revise this Coverage Form to provide more coverage without additional premium charge, we will automatically provide your policy the additional coverage as of the day the revision is effective in your state. M. Bodily Injury The definition of "bodily injury" in the Definitions section is replaced by the following: "Bodily injury" means physical injury, sickness, or disease sustained by a person, including death of a person resulting from any of these. "Bodily injury" also means mental injury, mental anguish, humiliation, or shock sustained by a person, if directly resulting from physical injury, sickness, or disease sustained by that person. N. Coverage Territory The definition of "coverage territory" in the Definitions section is replaced by the following: "Coverage territory" means anywhere in the world provided that the claim is made, and any "suit" that may arise therefrom is filed, within the United States of America (including its territories and possessions), Puerto Rico or Canada, unless further restricted by endorsement. O. Additional Definitions The following are added to Definitions section: 1. "Abuse' means any actual, threatened, or alleged act, error, omission, conduct or misconduct that a claim or "suit" alleges: a. To be, or to constitute, any form of "abuse" (including but not limited to elder "abuse", child "abuse", patient "abuse" or "abuse" of a dependent person) under any applicable state or federal statute; and I b. Any non -sexual assault, non -sexual battery, or non -sexual "abuse" directed at a person; and Conduct or misconduct described above constitutes "abuse" regardless of whether or not it is alleged to be negligent, reckless, knowing, intentional, fraudulent, oppressive, malicious, or otherwise. Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright 2014 GuideOne Insurance REVIEWED&MPRDVED BV: ' �% p Acevadu ®1 Risk Management Specialist