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law or other motor vehicle insurance law in
<br />the state where they are licensed or
<br />principally garaged. Land vehicles subject
<br />to a compulsory or financial responsibility
<br />law or other motor vehicle insurance law
<br />are considered "autos'.
<br />13. "Occurrence" means an accident, including
<br />continuous or repeated exposure to
<br />substantially the same general harmful
<br />conditions.
<br />14. "Personal and advertising injury" means injury,
<br />including consequential "bodily injury", arising
<br />out of one or more of the following offenses:
<br />a. False arrest, detention or imprisonment;
<br />b. Malicious prosecution;
<br />c. The wrongful eviction from, wrongful entry
<br />into, or invasion of the right of private
<br />occupancy of a room, dwelling or
<br />premises that a person occupies,
<br />committed by or on behalf of its owner,
<br />landlord or lessor;
<br />d. Oral or written publication, in any manner,
<br />of material that slanders or libels a person
<br />or organization or disparages a person's
<br />or organization's goods, products or
<br />services;
<br />e. Oral or written publication, in any manner,
<br />of material that violates a person's right of
<br />privacy;
<br />f. The use of another's advertising idea in
<br />your "advertisement" or
<br />g. Infringing upon another's copyright, trade
<br />dress or slogan in your "advertisement".
<br />15. "Pollutants" mean any solid, liquid, gaseous or
<br />thermal irritant or contaminant, including
<br />smoke, vapor, soot, fumes, acids, alkalis,
<br />chemicals and waste. Waste includes
<br />materials to be recycled, reconditioned or
<br />reclaimed.
<br />16. "Products — completed operations hazard"
<br />a. Includes all "bodily injury" and "property
<br />damage" occurring away from premises
<br />you own or rent and arising out of "your
<br />product" or "your work" except:
<br />(1) Products that are still in your physical
<br />possession; or
<br />(2) Work that has not yet been completed
<br />or abandoned. However, "your work"
<br />will be deemed completed at the
<br />earliest of the following times:
<br />(a) When all of the work called for in
<br />your contract has been
<br />completed.
<br />(b) When all of the work to be done at
<br />the job site has been completed if
<br />your contract calls for work at
<br />more than one job site.
<br />(c) When that part of the work done
<br />at the job site has been put to its
<br />intended use by any other person
<br />or organization other than another
<br />contractor or subcontractor
<br />working on the same project.
<br />Work that may need service,
<br />maintenance, correction, repair or
<br />replacement, but which is otherwise
<br />complete, will be treated as
<br />completed.
<br />The "bodily injury" or "property
<br />damage" must occur away from
<br />premises you own or rent, unless your
<br />business includes the selling, handling
<br />or distribution of "your product" for
<br />consumption on premises you own or
<br />rent.
<br />b. Does not include "bodily injury" or
<br />"property damage" arising out of:
<br />(1) The transportation of property, unless
<br />the injury or damage arises out of a
<br />condition in or on a vehicle not owned
<br />or operated by you, and that condition
<br />was created by the "loading or
<br />unloading" of that vehicle by any
<br />insured; or
<br />(2) The existence of tools, uninstalled
<br />equipment or abandoned or unused
<br />materials.
<br />17. "Property damage" means:
<br />a. Physical injury to tangible property,
<br />including all resulting loss of use of that
<br />property. All such loss of use shall be
<br />deemed to occur at the time of the
<br />physical injury that caused it; or
<br />b. Loss of use of tangible property that is not
<br />physically injured. All such loss of use
<br />shall be deemed to occur at the time of the
<br />"occurrence" that caused it.
<br />For the purposes of this insurance, electronic
<br />data is not tangible property.
<br />As used in this definition, electronic data
<br />means information, facts or programs stored
<br />as, created or used on, or transmitted to or
<br />from computer software, including systems
<br />and applications software, hard or floppy
<br />disks, CD-ROMs, tapes, drives, cells, data
<br />processing devices or any other media which
<br />are used with electronically controlled
<br />equipment.
<br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 76 of 81
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