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COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read (2) The "bodily injury" or "property damage" occurs the entire policy carefully to determine rights, duties and during the policy period; and what is and is not covered. Throughout this y y ,Y g policy the words "you" and "your" refer to 3 Prior to the () policy period, no insured listed the Named Insured shown in the Declarations, and any under Paragraph 1. of Section 11 — Who Is An Insured and no "employee" authorized by you to 0 other person or organization qualifying as a Named cNI Insured under this policy. The words "we", "us" and "our" give or receive notice of an "occurrence" or C) refer to the stock insurance company member of The claim, knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If 11 Hartford providing this insurance. such a listed insured or authorized "employee" The word "insured" means any person or organization knew, prior to the policy period, that the "bodily N qualifying as such under Section II — Who Is An Insured. injury" or "property damage" occurred, then any N Other words and phrases that appear in quotation marks continuation, change or resumption of such h have special meaning. Refer to Section V —Definitions. "bodily injury" or "property damage" during or SECTION I —COVERAGES after the policy period will be deemed to have been known prior to the policy period. C" COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY c. "Bodily injury" or "property damage" will be deemed Ln 1. Insuring Agreement to have been known to have occurred at the earliest time when any insured listed under a. We will pay those sums that the insured becomes Paragraph 1. of Section tl — Who Is An Insured or legally obligated to pay as damages because of any employee" authorized by you to give or "bodily injury" or "property damage" to which this receive notice of an "occurrence" or claim: insurance applies. We will have the right and duty (1) Reports all, or any part, of the "bodily injury" or iE to defend the insured against any "suit" seeking "property damage" to us or any other insurer; those damages. However, we will have no duty to (2) Receives a written or verbal demand or claim defend the insured against any "suit" seeking damages for "bodily injury" or "property damage" to for damages because of the "bodily injury" or "property which this insurance does not apply. We may, at damage"; or am— our discretion, investigate any "occurrence" and (3) Becomes aware by any other means that settle any claim or "suit" that may result. But: "bodily injury" or "property damage" has (1) The amount we will pay for damages is limited occurred or has begun to occur. as described in Section III — Limits Of d. Damages because of "bodil in u Y 1 ry" include Insurance: and damages claimed by any person or organization for (2) Our right and duty to defend ends when we care, loss of services or death resulting at any time from the "bodily injury". have used up the applicable limit of insurance in the payment of judgments or settlements under e. Incidental Medical Malpractice Coverages A or B or medical expenses under (1) "Bodily injury" arising out of the rendering of or Coverage C. failure to render professional health care No other obligation or liability to pay sums or services as a physician, dentist. nurse, perform acts or services is covered unless explicitly emergency medical technician or paramedic provided for under Supplementary Payments — shall be deemed to be caused by an Coverages A and B. "occurrence", but only if.- f:b. b.This insurance applies to "bodily injury" and (a) The physician, dentist, nurse, emergency "property damage" only if: medical technician or paramedic is (1) The "bodilyinjury" or "property damage" is employed by you to provide such services; caused by an "occurrence" that takes place in and the "coverage territory"; (b) You are not engaged in the business or occupation of providing such services. HG 00 01 06 05 02005 The Hartford Page 1 of 18 (Includes copyrighted material of Insurance Services Office, Inc. with its permission.)