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b. Business Liability Coverage does not apply to: (1) "Bodily injury" or "property damage" that occurred before you acquired or formed the organization; and (2) "Personal and advertising Injury" arising out of an offense committed before you acquired or formed the organization. No person or organization is an Insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that Is not shown as a Named Insured in the Declarations. D. Liability and Medical Expenses Limits Of Insurance 1. The Limits of Insurance of SECTION II - LIABILITY shown In the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits ". 2. The most we will pay for the sum of all damages because of all: a. "Bodily injury", "property damage" and medical expenses arising out of any one "occurrence "; and b. "Personal and advertising injury" sustained by any one person or organization; are the Liability limit and the Medical Expenses limit, respectively, shown in the Declarations. But the most we will pay for all medical expenses because of "bodily injury" sustained by any one person is the Medical Expenses limit shown in the Declarations. 3. The most we will pay under Business Liability Coverage for damages because of "property damage" to premises while rented to you or temporarily occupied by you with permission of the owner, arising out of any one fire, or one incidence of lightning, explosion, smoke or leakage from fire protective systems is the Damage to Premises Rented to You limit shown in the Declarations. 4. Aggregate Limits The most we will pay for: a. All "bodily injury" and "property damage" that is Included in the "products- completed operations hazard" 391 -1003 06 09 18,002 is twice the Business Liability limit and the Medical Expenses limit. b. All: (1) "Bodily injury" and "property damage" except damages because of "bodily Injury" and "property damage" included in the "products - completed operations hazard "; (2) Plus medical expenses; (3) Plus all "personal and advertising injury" caused by offenses committed; Is twice the Business Liability limit and the Medical Expenses limit. The Aggregate Limits of Insurance apply separately to each of your "locations" owned by or rented to you. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. Subject to Paragraph a. or b, above, whichever applies, the Damage to Premises Rented to You Limit is the most we will pay for damages because of "property damage" to any one premises, while rented to you, or in the case of fire, lightning, explosion, smoke or leakage from fire protective systems, while rented to you or temporarily occupied by you with permission of the owner. The Limits of Insurance of SECTION II - LIABILITY apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. E. Liability and Medical Expenses General Conditions 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this policy. 2. Duties In The Event Of Occurrence, Offense, Claim or Suit a. You must see to it that we are notified as soon as practicable of an "occurrence" or an offense, which may result in a claim. To the extent possible, notice should Include: (1) How, when and where the Includes copyrighted material of Insurance Services Page 58 of 66 Office, Inc. with its permission