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This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic
<br /> expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of
<br /> that which is described in Paragraph (1) or(2) above.
<br /> However, unless Paragraph (1) above applies, this exclusion does not apply to damages because of "bodily
<br /> injury".
<br /> As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used
<br /> on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks,
<br /> CD-ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically
<br /> controlled equipment.
<br /> q. Employment-Related Practices
<br /> "Bodily injury" to:
<br /> (1) A person arising out of any "employment-related practices"; or
<br /> (2) The spouse, child, parent, brother or sister of that person as a consequence of"bodily injury"to that person at
<br /> whom any"employment-related practices" are directed.
<br /> This exclusion applies:
<br /> (1) Whether the injury-causing event described in the definition of "employment-related practices" occurs before
<br /> employment, during employment or after employment of that person;
<br /> (2) Whether the insured may be liable as an employer or in any other capacity; and
<br /> (3) To any obligation to share damages with or repay someone else who must pay damages because of the
<br /> injury.
<br /> r. Asbestos
<br /> (1) "Bodily injury" or"property damage" arising out of the"asbestos hazard".
<br /> (2) Any damages,judgments, settlements, loss, costs or expenses that:
<br /> (a) May be awarded or incurred by reason of any claim or suit alleging actual or threatened injury or damage
<br /> of any nature or kind to persons or property which would not have occurred in whole or in part but for the
<br /> "asbestos hazard";
<br /> (b) Arise out of any request, demand, order or statutory or regulatory requirement that any insured or others
<br /> test for, monitor, clean up, remove, encapsulate, contain, treat, detoxify or neutralize or in any way
<br /> respond to or assess the effects of an "asbestos hazard"; or
<br /> (c) Arise out of any claim or suit for damages because of testing for, monitoring, cleaning up, removing,
<br /> encapsulating, containing, treating, detoxifying or neutralizing or in any way responding to or assessing
<br /> the effects of an "asbestos hazard".
<br /> s. Recording And Distribution Of Material Or Information In Violation Of Law
<br /> "Bodily injury" or "property damage" arising directly or indirectly out of any action or omission that violates or is
<br /> alleged to violate:
<br /> (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law;
<br /> (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law;
<br /> (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and
<br /> Accurate Credit Transaction Act (FACTA); or
<br /> (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA or CAN-SPAM Act of 2003 or
<br /> FCRA and their amendments and additions, that addresses, prohibits or limits the printing, dissemination,
<br /> disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.
<br /> Damage To Premises Rented To You - Exception For Damage By Fire, Lightning Or Explosion
<br /> Exclusions c. through h. and j. through n. do not apply to damage by fire, lightning or explosion to premises while
<br /> rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to
<br /> this coverage as described in Section III - Limits Of Insurance.
<br /> COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY
<br /> 1. Insuring Agreement
<br /> a. We will pay those sums that the insured becomes legally obligated to pay as damages because of"personal and
<br /> advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against
<br /> any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking
<br /> damages for "personal and advertising injury" to which this insurance does not apply. We may, at our discretion,
<br /> investigate any offense and settle any claim or"suit'that may result. But:
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