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assess the effects of, asbestos,
<br />asbestos fibers or products containing
<br />asbestos; or
<br />(b) 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 the
<br />effects of, asbestos, asbestos fibers or
<br />products containing asbestos.
<br />s. Employment -Related Practices
<br />"Personal injury" to:
<br />(1) A person arising out of any:
<br />(a) Refusal to employ that person;
<br />(b) Termination of that person's
<br />employment; or
<br />(c) Employment -related practice, policy,
<br />act or omission, such as coercion,
<br />demotion, evaluation, reassignment,
<br />discipline, failure to promote or
<br />advance, harassment, humiliation,
<br />discrimination, libel, slander, violation
<br />of the person's right of privacy,
<br />malicious prosecution or false arrest,
<br />detention or imprisonment applied to or
<br />directed at that person, regardless of
<br />whether such practice, policy, act or
<br />omission occurs, is applied or is
<br />committed before, during or after the
<br />time of that person's employment; or
<br />(2) The spouse, child, parent, brother or sister
<br />of that person as a consequence of
<br />"personal injury' to that person at whom
<br />any of the employment -related practices
<br />described in Paragraph (a), (b), or (c)
<br />above is directed.
<br />This exclusion applies whether the insured may
<br />be liable as an employer or in any other capacity
<br />and to any obligation to share damages with or
<br />repay someone else who must pay damages
<br />because of the"personal injury'.
<br />COVERAGE C — MEDICAL PAYMENTS
<br />1. Insuring Agreement
<br />a. We will pay medical expenses as described
<br />below for "bodily injury' caused by an accident:
<br />(1) On premises you own or rent;
<br />(2) On ways next to premises you own or rent;
<br />or
<br />COMMERCIAL GENERAL LIABILITY
<br />(3) Because of your operations;
<br />provided that:
<br />(a) The accident takes place in the "coverage
<br />territory" and during the policy period;
<br />(b) The expenses are incurred and reported to
<br />us within one year of the date of the
<br />accident; and
<br />(c) The injured person submits to examination,
<br />at our expense, by physicians of our choice
<br />as often as we reasonably require.
<br />b. We will make these payments regardless of
<br />fault. These payments will not exceed the
<br />applicable limit of insurance. We will pay
<br />reasonable expenses for:
<br />(1) First aid administered at the time of an
<br />accident;
<br />(2) Necessary medical, surgical, X-ray and
<br />dental services, including prosthetic
<br />devices; and
<br />(3) Necessary ambulance, hospital,
<br />professional nursing and funeral services.
<br />2. Exclusions
<br />We will not pay expenses for "bodily injury":
<br />a. Any Insured
<br />To any insured, except "vdunteer workers".
<br />b. Hired Person
<br />To a person hired to do work for or on behalf of
<br />any insured or a tenant of any insured.
<br />c. Injury On Normally Occupied Premises
<br />To a person injured on that part of premises
<br />you own or rent that the person normally
<br />occupies.
<br />d. Workers' Compensation And Similar Laws
<br />To a person, whether or not an "employee" of
<br />any insured, if benefits for the "bodily injury' are
<br />payable or must be provided under a workers'
<br />compensation or disability benefits law or a
<br />similar law.
<br />e. Athletics Activities
<br />To a person inured while practicing, instructing
<br />or participating in any physical exercises or
<br />games, sports, or athletic contests.
<br />f. Products -Completed Operations Hazard
<br />Included within the "products -completed
<br />operations hazard".
<br />g. Coverage A Exclusi
<br />,., RA MmagemadDr alms
<br />REVIEWED&APPWO By:
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<br />® Risk Management Spedalist
<br />Excluded under Cove
<br />CG T1 00 02 19
<br />© 2017 The Travelers Indemnity Company. All rights reserved.
<br />Includes copyrighted material of Insurance Services Office, Inc. with its permission.
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