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This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM — SECTION II — LIABILITY AND SECTION III AS IT PERTAINS TO LIABILITY ONLY A. First Aid And Good Samaritan Services 1. The following is added to Section II A.1. Business Liability Coverages We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" arising out of either the rendering of or failure to render, "First Aid" or "Good Samaritan Services" to any person. For the purposes of this coverage grant, "First Aid" or "Good Samaritan Services" will be deemed to meet the definition of "occurrence". For the purposes of determining the applicable limits of insurance, any act or omission together with all related acts or omissions in the rendering of "First Aid" or "Good Samaritan Services" to any one person will be deemed one "occurrence". a. "First Aid" means initial care for medical attention immediately following a "bodily injury". b. "Good Samaritan Services" means medical attention provided in an emergency and for which no remuneration is demanded or received. 2. The insurance provided by this provision shall be excess over any valid and collectible other insurance available to any insured whether primary, excess, contingent or any other basis, except for insurance purchased specifically by you to apply in excess of the limits of Insurance shown in the declarations for Business Liability. B. Supplementary Payments Section II A.1.f. Coverage Extension — Supple- mentary Payments Paragraphs 1.(b) and 1.(d) are deleted and replaced with the following: (b) Up to $2,500 for the cost of bail bonds required because of accidents or traffic violations arising out of any vehicle to which Business Liability Coverage for "bodily injury" applies. We do not have to furnish these bonds. (d) All reasonable expenses incurred by the insured at our request to assist in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off work. C. Reasonable Force — Bodily Injury Or Property Damage Section II B.1.a. Exclusions, Expected Or Intended Injury, is deleted and replaced by the following: a. Expected or Intended Injury "Bodily injury" or "property damage" ex- pected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury' or "property damage" resulting from the use of reasonable force to protect persons or property. D. Non -Owned Watercraft 1. Section II B.1.g. Exclusions, Aircraft, Auto Or Watercraft Subparagraph (2) is deleted and replaced by the following: (2) A watercraft you do not own that is: (a) Up to seventy-five (75) feet long; and (b) Not being used to carry persons or property for a charge; 2. Only as respects to the insurance provided by this provision C. Who Is An Insured is amended to include as an insured any person who, with your express consent uses the watercraft. 3. The insurance provided by this provision shall be excess over any valid and collectible other insurance available to the insured, whether primary, excess, contingent or on any other basis, except for the insurance purchased specifically by you to apply in excess of the Limits of Insurance shown in the declarations for this Coverage Part. E. Damage to Premises Rented to You The last paragraph of Section II B.I. Exclu- sions — Applicable To Business Liability Coverage is deleted and replaced by the following: Exclusions c., d., a., f., g., h., i., k., I., m., n. and o. in SECTION II — LIABILITY do not apply to damage by water, fire, explosion, lightning, or smoke resulting from fire to premises while rented to you, or temporarily occupied by you with permission by the owner. A separate Damage To Premises Rented To You Limit of Insurance applies to this coverage as described in paragraph D. Liability And Medical Expenses Limits of Insurance in SECTION II — LIABILITY. 2. Section 11 F.9.a. Liability And Medical Expenses Definitions, is deleted and replaced by the following: PPB 316G 11 13 Page 2 of 5