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smoke; aircraft or vehicles; riot or civil 1. Business Liability commotion; vandalism; leakage from fire extinguishing equipment; sinkhole collapse; a. We will pay those sums that the insured volcanic action; falling objects; weight of becomes legally obligated to pay as snow, ice or sleet; water damage. damages because of "bodily injury ", "property damage" or "personal and a. Sinkhole collapse means the sudden advertising injury" to which this sinking or collapse of land into t insurance applies. We will have the right underground empty spaces created by the and duty to defend the insured against action of water on limestone or dolomite. any suit" seeking those damages. This cause of loss does not include: However, we will have no duty to defend (1) The cost of filling sinkholes; or the insured against any "suit" seeking (2) Sinking or collapse of land into damages for "bodily injury ", "property man -made underground cavities. damage" or "personal and advertising injury ", to which this Insurance does not b. Falling objects does not include loss of or apply. We may at our discretion, damage to: investigate any y "occurrence" and settle (1) Personal property in the open; or any claim or "suit" that may result. (2) The interior of a building or structure, But: or property inside a building or (1) The amount we will pay for structure, unless the roof or an damages is limited as described in outside wall of the building or Paragraph D - Liability and Medical structure is first damaged by a falling Expenses Limits of Insurance in object. SECTION II - LIABILITY; and c. Water damage means accidental (2) Our right and duty to defend end discharge or leakage of water or steam when we have used up the as the direct result of the breaking apart applicable limit of insurance In the or cracking of any part of a system or payment of judgments or settlements appliance (other than a sump system or medical expenses. including its related equipment and parts) No other obligation or liability to pay containing water or steam. sums or perform acts or services is 29. "Stock" means merchandise held in storage covered unless explicitly provided for or for sate, raw materials and in process or under Paragraph f. Coverage Extension - finished goods, including supplies used in Supplementary Payments. their packing or shipping. b. This insurance applies: 30. "Suspension" means the partial slowdown or (1) To "bodily Injury" "property complete cessation of your business and activities; and that a part or all of the damage" only it: described premises is rendered (a) The "bodily injury" or "property un-tenantable, if coverage for Business damage" is caused by an Income applies. "occurrence" that takes place in 31. "Theft" means any act of stealing. the "coverage territory"; 32. "Valuable papers and records" means: (b) The "bodily injury" or "property damage" occurs during the a. Inscribed, printed or written: policy period; and (1) Documents; (c) Prior to the policy period, no (2) Manuscripts; and Insured listed under Paragraph (3) Records; C.1. Who Is An Insured and no "employee" authorized by you to including abstracts, books, deeds, give or receive notice of drawings, P s, films, maps or mortgages; and occurrence" or claim knew that b. Similar items stored electronically. the "bodily injury" or "property damage" had occurred, in whole But "valuable papers and records" does not or in part. If such a listed mean "money" or "securities ". insured or authorized "employee" knew, SECTION II - LIABILITY prior to the policy period that the A. Coverages "bodily injury" or "property 3911003 06 09 Includes copyrighted material of Insurance Services Page 46 of 66 17,990 Office, Inc. with its permission