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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. (3) Prior to the policy period, no insured listed Throughout this policy the words "you" and "your" refer to under Paragraph 1. of Section 11 — Who Is An co the Named Insured shown in the Declarations, and any Insured and no "employee" authorized by you to c4 other person or organization qualifying as a ]Named give or receive notice of an "occurrence" or o Insured under this policy. The words "}ore", "us" and "our" claim, knew that the "bodily injury" or "property refer to the stock insurance company member of The damage" had occurred, in whole or in part. If 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 qualifying as such underec—ho Is An Insured. Stion 11W injury" or "property damage" occurred, then any Ln i27 Other words and phrases that appear in quotation marks continuation, change or resumption of such N o: have special meaning. Refer to Section V —Definitions. bodily injury or property damage during or after the policy period will be deemed to have mSECTION I — COVERAGES been known prior to the policy period. o COVERAGE A BODILY INJURY AND PROPERTY c. 'Bodily injury" or "property damage" will be deemed Ln o DAMAGE LIABILITY to have been known to have occurred at the 1. Insuring Agreement earliest time when any insured listed under —_ a. Ude will pay those sums that the insured becomes Paragraph 1. of Section 11 — Who Is An Insured or legally obligated to pay as darnages 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 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 for damages because of the "bodily injury" or damages for "bodily injury" or "property damage" to "property damage"; or which this insurance does not apply. We may, at (3) Becomes aware by any other means that = our discretion, investigate any "occurrence" and "suit" "bodily injury" or "property damage" has =- settle any claire or that may result. But. occurred or has begun to occur. (1) The amount we will pay for damages is limited d. Damages because of "bodily injury" include as described in Section III — Limits of Insurance; and damages claimed by any person or organization for ..,_ care, loss of services or death resulting at any time .= (2) Our right and duty to defend ends when we from the "bodily injury". have used up the applicable limit of insurance in e_ Incidental Medical Malpractice — the payment of judgments or settlements under — 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 €lability to pay sums or services as a physician, dentist, nurse, perform acts or servicers is covered unless explicitly emergency medics[ technician or paramedic technician -- provided for under Supplementary Payments — shall be deemed to caused by an "occurrence", i� Coverages A and B. but only if. b. This insurance applies to "bodily injury" and (a) The physician, dentist, nurse, emergency "property damage" only if: medical technician or paramedic is employed by you to provide such services; (1) The "bodily injury" or "property damage" is and caused by an "occurrence" that takes place in "coverage (b) you are not engaged in the business or the territory"; occupation of providing such services. HG 00 01 06 05 Page 1 of 18 O 2005 The Hartford / (Includes copyrighted material of Insurance Services Office, Inc. with its permission.) 1//