國(guó)泰財(cái)產(chǎn)保險(xiǎn)有限責(zé)任公司商業(yè)綜合責(zé)任保險(xiǎn)（事故發(fā)生制）條款

商業(yè)綜合責(zé)任保險(xiǎn)（事故發(fā)生制）條款H00013330912017052343381本公司依本保險(xiǎn)單的約定負(fù)賠償責(zé)任。本公司有權(quán)利及義務(wù)協(xié)助被保險(xiǎn)人就該請(qǐng)求損害賠償?shù)摹霸V訟”進(jìn)行抗辯。但是，本公司對(duì)于不屬于本保險(xiǎn)單承保范圍內(nèi)的"附件4-1且一段的被保險(xiǎn)人或被保險(xiǎn)人授權(quán)的雇員已經(jīng)得知該“人身傷害”或“財(cái)產(chǎn)損失”已經(jīng)全部或部分發(fā)生。若已有上述被保險(xiǎn)人或由被保險(xiǎn)人授權(quán)的雇員在保險(xiǎn)期限開(kāi)始之前已得知部分或全部的事故或索賠發(fā)生，那么在保險(xiǎn)期限開(kāi)始后的該“財(cái)產(chǎn)損失”或“人身傷害”的延續(xù)、變化或恢復(fù)均被視為在保險(xiǎn)期限開(kāi)始前資格第一條列名的被保險(xiǎn)人和被保險(xiǎn)人的授權(quán)員工（有權(quán)接受或發(fā)出有關(guān)事故或索(四)當(dāng)本保險(xiǎn)單第二部分-被保險(xiǎn)人資格第一條列名的被保險(xiǎn)人和被保險(xiǎn)人的授權(quán)員工2.被保險(xiǎn)人及其授權(quán)雇員收到“人身(五)由“人身傷害”所引起的損害賠償包括但本除外條款不適用于被保險(xiǎn)人因采取合理措施保護(hù)人身和財(cái)產(chǎn)安全所導(dǎo)致的“人身b.與民事訴訟和調(diào)解有關(guān)的抗辯所產(chǎn)生的律師費(fèi)用及訴訟費(fèi)用須符合本保險(xiǎn)合本除外條款僅在被保險(xiǎn)人經(jīng)營(yíng)酒精類(lèi)飲料的生產(chǎn)、分銷(xiāo)、銷(xiāo)售或供應(yīng)業(yè)務(wù)時(shí)適其雇員應(yīng)負(fù)的賠償責(zé)任。對(duì)以下人員所造成的“人身傷害”：1.本保險(xiǎn)不適用于被保險(xiǎn)人的雇員因在工作期間或在執(zhí)行與被保險(xiǎn)人營(yíng)業(yè)行為有關(guān)(2)被保險(xiǎn)人對(duì)他人所承擔(dān)的上述“附件4-2附件4-3(b)如被保險(xiǎn)人為建筑承包人及所有人或承租人并以附加被保險(xiǎn)人的身份 保單上，則以附加被保險(xiǎn)人的身份于上述場(chǎng)所、地點(diǎn)、位置經(jīng)營(yíng)而可能產(chǎn)生加被保險(xiǎn)人以外的任何被保險(xiǎn)人所有、使用或承租；或物的任何場(chǎng)所或地點(diǎn)；將“污染物”攜帶至其執(zhí)行職務(wù)的房屋、地點(diǎn)及場(chǎng)所。但本款或“財(cái)產(chǎn)損失”。但如上述液體的滲漏是因故意行保險(xiǎn)人、承包人或分包人因執(zhí)行工作所需而攜至該場(chǎng)所并因執(zhí)行工作而滲漏(b)因被保險(xiǎn)人或其承包人、分包人因從事與被保險(xiǎn)人有關(guān)的工作而攜至內(nèi)的材料所散發(fā)的瓦斯、煙霧或蒸汽滲漏所2.因任何下列（1）、（2）所產(chǎn)生的任何損失、成本或費(fèi)用:測(cè)試、監(jiān)控、清理、移除、封鎖、處理、去除毒素、中和或任何評(píng)估“污染物”評(píng)估“污染物”影響的活動(dòng)而遭政府及其代表機(jī)構(gòu)如果被保險(xiǎn)人在監(jiān)督、聘用、雇用、訓(xùn)練或監(jiān)控他人時(shí)存在疏忽或其它過(guò)錯(cuò)而導(dǎo)致的本除外責(zé)任不適用于：“財(cái)產(chǎn)損失”。演時(shí)使用“機(jī)動(dòng)設(shè)備”。該財(cái)產(chǎn)進(jìn)行修理、更換、加強(qiáng)、重建或保養(yǎng)而產(chǎn)生的任何成本和費(fèi)用（包括為防止對(duì)附件4-4附件4-55.被保險(xiǎn)人或任何直接或間接代表被保險(xiǎn)人的承包商或分包商在不動(dòng)產(chǎn)上從事工作造成對(duì)該部分不動(dòng)產(chǎn)的“財(cái)產(chǎn)損失”；修或更換該特定部分財(cái)產(chǎn)。場(chǎng)所內(nèi)物品的“財(cái)產(chǎn)損失”(火災(zāi)損失除外)。第三部分-責(zé)任限額中對(duì)租給被保險(xiǎn)人場(chǎng)所的損失有單獨(dú)的限額。此除外條款的3、4、5和6不適用鐵路附屬設(shè)施協(xié)議項(xiàng)此除外條款的6不適用于包含在“產(chǎn)品責(zé)任及完工操作風(fēng)險(xiǎn)”中的“財(cái)產(chǎn)損失”?！氨槐ｋU(xiǎn)人的產(chǎn)品”本身或其任何部分所遭受的“財(cái)產(chǎn)損失”。如果被損害的工作或造成相關(guān)損失的工作是由分包商代表被保險(xiǎn)人進(jìn)行，則本責(zé)任免2.被保險(xiǎn)人或代表被保險(xiǎn)人行事的人遲延或未履行用途使用后，但本身受到突發(fā)偶然的物質(zhì)損害而造成其它財(cái)產(chǎn)不能使用的損失。保險(xiǎn)人或其他人因不能使用、撤回、召回、檢查、修理、重置、調(diào)整、移除或處理而產(chǎn)生任何損失、費(fèi)用或開(kāi)支而提出的損害賠償。許可而暫時(shí)使用的營(yíng)業(yè)場(chǎng)所的火災(zāi)損失。但其適用的賠償限額須依據(jù)保單第②監(jiān)控或以任何方式影響航空器或航天器的飛行性能的被保險(xiǎn)人的產(chǎn)品。任何含有石棉的產(chǎn)品所引起的疾病造成的損對(duì)任何關(guān)于此類(lèi)損失、要求、索賠或訴訟，本公司無(wú)任何形式的賠償義務(wù)。任何由于提供或未能提供專(zhuān)業(yè)建議而造成的損2.無(wú)論下列何種原因?qū)е碌奶幩蛟O(shè)備的損失：a.核能的生產(chǎn)；或本責(zé)任免除條款下的電子數(shù)據(jù)是指由計(jì)算機(jī)軟件（包括系統(tǒng)軟件和應(yīng)用軟件）、硬盤(pán)或軟盤(pán)、光盤(pán)驅(qū)動(dòng)氣、磁帶、驅(qū)動(dòng)器、存儲(chǔ)單元、數(shù)據(jù)處理設(shè)備或其他任何具有電子控制設(shè)備的媒介所存儲(chǔ)、制作、使用、傳輸?shù)诙l－“個(gè)人權(quán)利侵害和廣告侵害責(zé)任”(一)列名被保險(xiǎn)人依法對(duì)因其業(yè)務(wù)引起第三人的“個(gè)人權(quán)利侵害及廣告侵害”應(yīng)承擔(dān)的損害賠償責(zé)任，由本公司依本保險(xiǎn)單的規(guī)定負(fù)責(zé)賠償。本公司有權(quán)利及義務(wù)就該請(qǐng)人權(quán)利侵害及廣告侵害”所提出的“訴訟”無(wú)抗辯義務(wù)。同時(shí)本公司有權(quán)自行對(duì)任附件4-6附件4-72．當(dāng)本公司所支付的賠償金額或和解金額已達(dá)到本保險(xiǎn)合同第一部第一條、第二條或第三條條款下所列明的相應(yīng)規(guī)(二)引發(fā)上述第（一）項(xiàng)所列“個(gè)人權(quán)利侵害和廣告被保險(xiǎn)人仍作出或仍指使他人作出該行為而導(dǎo)致的“個(gè)人權(quán)利侵害和廣告侵害”。明知資料不實(shí)，被保險(xiǎn)人自行或指使他人口頭或書(shū)面形式進(jìn)行散布該虛假資料而造成對(duì)第三人的“個(gè)人權(quán)利侵害和廣告侵害”。被保險(xiǎn)人在保險(xiǎn)單期間開(kāi)始前，首次以口頭或者書(shū)面方式發(fā)布的資料所導(dǎo)致的“個(gè)人權(quán)利侵害或廣告侵害”。因被保險(xiǎn)人所為或指使他人所為的犯罪行為所導(dǎo)致的“個(gè)人權(quán)利侵害和廣告侵害”。被保險(xiǎn)人依據(jù)合同約定所承擔(dān)的“個(gè)人權(quán)利侵害和廣告侵害”責(zé)任，協(xié)議不存在時(shí)，被保險(xiǎn)人仍應(yīng)承擔(dān)的責(zé)任不在此限。被保險(xiǎn)人因違反合同所致的“個(gè)人權(quán)利侵害和廣告侵附件4-8因被保險(xiǎn)人的商品、產(chǎn)品或服務(wù)沒(méi)有達(dá)到其“廣告”中所描述的質(zhì)量水平或性能所導(dǎo)致的“個(gè)人權(quán)利侵害和廣告侵害”。因被保險(xiǎn)人在“廣告”中對(duì)商品、產(chǎn)品或服務(wù)的價(jià)格進(jìn)行錯(cuò)誤描述所導(dǎo)致的“個(gè)人權(quán)利侵害和廣告侵害”。因被保險(xiǎn)人侵犯他人的著作權(quán)、專(zhuān)利權(quán)、商標(biāo)權(quán)、商業(yè)機(jī)密或其他知識(shí)產(chǎn)權(quán)所導(dǎo)致的“個(gè)人權(quán)利侵害和廣告侵害”。但該除外條款并不適用于在被保險(xiǎn)人的“廣告”中對(duì)著作權(quán)、商標(biāo)標(biāo)識(shí)及廣告用語(yǔ)的從事下列行業(yè)的被保險(xiǎn)人所造成的“個(gè)人權(quán)利侵害和廣告侵害”：3.互聯(lián)網(wǎng)搜索、互聯(lián)網(wǎng)訪問(wèn)、互聯(lián)網(wǎng)內(nèi)但該除外條款并不適用第五部分定義項(xiàng)下第十四條“個(gè)人權(quán)利侵害和廣告置廣告的行為均不被視為從事商業(yè)廣告、廣播因被保險(xiǎn)人主持、所有或者實(shí)際控制的電子聊天室或者電子布告板所導(dǎo)致的“個(gè)人權(quán)利侵害和廣告侵害”。被保險(xiǎn)人未經(jīng)授權(quán)在自己的電子郵件地址、網(wǎng)域或其他任何類(lèi)似手段中使用他人的名稱(chēng)或產(chǎn)品去誤導(dǎo)他人的潛在客戶(hù)所造成的“個(gè)人權(quán)利侵害和廣告侵害”。所導(dǎo)致的“個(gè)人權(quán)利侵害和廣告侵害”。附件4-9控、清除、移除、封鎖、處理、去毒、中和或任何評(píng)估“污染物”影響2.武裝部隊(duì)的類(lèi)似戰(zhàn)爭(zhēng)行為，包括任何政府、主權(quán)國(guó)或其他權(quán)利機(jī)構(gòu)使用軍事人員或3.起義、叛亂、革命、篡權(quán)或政府權(quán)利機(jī)經(jīng)常性占有被保險(xiǎn)人所擁有或租用的某一場(chǎng)所，并在該場(chǎng)所遭受傷害的人。任何參與競(jìng)技或體育活動(dòng)之人所受的人身傷害。(六)“產(chǎn)品及完工操作風(fēng)險(xiǎn)”付的那部分損害賠償金的利息為限。如果本公2.被保險(xiǎn)人所承擔(dān)的責(zé)任在本保單承保責(zé)任范圍之內(nèi)；在附加賠付項(xiàng)下，本公司為索賠請(qǐng)求人進(jìn)行抗辯和負(fù)擔(dān)律師費(fèi)、必要的訴訟費(fèi)用(2)不再符合上述第四條第二款第6項(xiàng)規(guī)定的條件。項(xiàng)下的賠償義務(wù)僅限于列名被保險(xiǎn)人作為唯一擁有人的企業(yè)的經(jīng)2.合伙企業(yè)或合營(yíng)企業(yè)，則記名被保險(xiǎn)人為被保險(xiǎn)人，記名被保險(xiǎn)人的每一合伙人或3.如果列名被保險(xiǎn)人是有限公司與股份有限公司時(shí)，則該列名被保險(xiǎn)人與公表人、董事均為本保險(xiǎn)單所稱(chēng)之被保險(xiǎn)人，但須以執(zhí)行被保險(xiǎn)人事業(yè)有關(guān)業(yè)者為限。其經(jīng)理人也也可作為被保險(xiǎn)人，但須以履行業(yè)務(wù)者責(zé)任人也可作為被保險(xiǎn)人，但僅限于其履行股東、聯(lián)營(yíng)方、合作方或出資人的責(zé)任時(shí)。第二條、凡符合下列各項(xiàng)條件的也可作為本保險(xiǎn)單的）；）；(2)該“義工”或“雇員”由于上述本項(xiàng)(1)原因?qū)ζ渑渑?、子女、父母、或或傷害”或“個(gè)人權(quán)利侵害和廣告侵害”。2.對(duì)以下財(cái)產(chǎn)造成的“財(cái)產(chǎn)損失”：伙或合營(yíng)企業(yè)時(shí))、或任何股東（如果被保險(xiǎn)人是有限公司、股份有限公司）所租用、照管、保管、或控制、或無(wú)論何種目的而進(jìn)行支配的第三條、列名被保險(xiǎn)人對(duì)新取得或新成立的組構(gòu)（非合伙、合營(yíng)企業(yè)或有限公司、“個(gè)人權(quán)利侵害和廣告侵害”。任何與現(xiàn)在或過(guò)去的合伙、合資企業(yè)或有限責(zé)任公司的經(jīng)營(yíng)有關(guān)的個(gè)人或機(jī)構(gòu)均不能視為被保險(xiǎn)人，除非該合伙、合資企業(yè)或有限責(zé)任公司在本保險(xiǎn)單中為列名第三條、產(chǎn)品責(zé)任及完工操作累計(jì)賠償限額是指第一部分承保范圍第一條規(guī)定下對(duì)“產(chǎn)品第四條、在本部分上述第二條規(guī)定下,個(gè)人權(quán)利侵害和廣告侵害累計(jì)賠償限額第五條、在本部分上述第二條或第三條規(guī)定下，每次事故賠償限額是指以下各項(xiàng)一保范圍第一條規(guī)定下，對(duì)列名被保險(xiǎn)人租用的場(chǎng)所所造成的“財(cái)產(chǎn)損失”所給第七條、在本部分第五條規(guī)定下，醫(yī)療費(fèi)用賠償限額是指在第一部分承保范圍第三條的規(guī)從承保明細(xì)表記載的保險(xiǎn)期間開(kāi)始之日起，每一連續(xù)年度及剩馀不足十二適用相同金額的責(zé)任限額。但原保險(xiǎn)期間經(jīng)同意延長(zhǎng)的不足十二個(gè)月的期間，第四部分商業(yè)綜合責(zé)任險(xiǎn)基本條款被保險(xiǎn)人或其資產(chǎn)破產(chǎn)或失去償付能力時(shí)，并不影響本公司就本保險(xiǎn)單所應(yīng)負(fù)的責(zé)任與義務(wù)。2．如果任何被保險(xiǎn)人收到索賠或“訴訟”，列名被保險(xiǎn)人必須:4.除必要的急救費(fèi)用外，非經(jīng)本公司同意，被保險(xiǎn)人第三條、對(duì)本公司的法律訴訟求償人就被保險(xiǎn)人責(zé)任同意和解或經(jīng)判決確定后，得訴請(qǐng)給付前開(kāi)和解或確定判決的賠償金額。但本公司對(duì)于依保險(xiǎn)單條款不應(yīng)賠付的賠償金或超過(guò)賠償限額的賠償金，仍不負(fù)賠償責(zé)任。本保險(xiǎn)單所稱(chēng)的同意和解，系指經(jīng)本公司、被保險(xiǎn)人及求償人或其法定代第四條、其他保險(xiǎn)本保險(xiǎn)單承保范圍第一條或第二條規(guī)定的應(yīng)付的賠償，如果被保險(xiǎn)人擁有其它有效險(xiǎn):許可臨時(shí)占用的場(chǎng)所造成“財(cái)產(chǎn)損失”時(shí)應(yīng)負(fù)的部分第一條“身體損害”及“財(cái)產(chǎn)損失”的責(zé)任第二款責(zé)任免除條款第七條(2)任何其他對(duì)列名被保險(xiǎn)人有效的基本保險(xiǎn)，它以批單把列名被保險(xiǎn)人列為附加在本保險(xiǎn)合同第一部分承保范圍，第一條“身體損害”及“財(cái)產(chǎn)損失”的責(zé)任及第二條“個(gè)人權(quán)利及廣告侵害的責(zé)任”項(xiàng)下，本公司無(wú)義務(wù)對(duì)該“訴訟”進(jìn)行辯護(hù)；若無(wú)其他當(dāng)本保險(xiǎn)作為其他保險(xiǎn)的超額保險(xiǎn)時(shí)，本公司僅對(duì)超過(guò)以下各項(xiàng)金額之和的損失承擔(dān)本若其他保險(xiǎn)的性質(zhì)非本款前述所稱(chēng)之保險(xiǎn)，且并非以本保險(xiǎn)單的保險(xiǎn)限額之超額部分承如所有其它有效保險(xiǎn)允許等額分?jǐn)倳r(shí)，本公司也當(dāng)依此方式辦理。在此方式險(xiǎn)人等額分擔(dān)賠償直至該保險(xiǎn)人的保險(xiǎn)賠償限額已賠盡或損失已全部獲得賠若任何其它保險(xiǎn)不允許等額分?jǐn)偦A(chǔ)，本公司將根據(jù)保險(xiǎn)賠償限額分?jǐn)?。在此方式下，每一保險(xiǎn)人應(yīng)負(fù)的賠償金額以該保險(xiǎn)人的保險(xiǎn)賠償限額在所有保險(xiǎn)賠償限額之和中所占比例進(jìn)行分?jǐn)?。第五條、保險(xiǎn)費(fèi)的調(diào)整和結(jié)算2.本保險(xiǎn)單上所列的保險(xiǎn)費(fèi)僅為預(yù)付保險(xiǎn)費(fèi)。在每一結(jié)算實(shí)際應(yīng)付保險(xiǎn)費(fèi)，并通知投保人繳付結(jié)算保險(xiǎn)費(fèi)。保費(fèi)調(diào)整和結(jié)算的時(shí)間為2.本保險(xiǎn)單承保明細(xì)表所載事項(xiàng)皆根據(jù)列名被保險(xiǎn)人對(duì)本公司所作的說(shuō)明與告知事實(shí)；且3.本公司根據(jù)列名被保險(xiǎn)人的說(shuō)明與告知事實(shí)簽發(fā)本保第七條、被保險(xiǎn)人的獨(dú)立性除了在本條款項(xiàng)下對(duì)保險(xiǎn)賠償限額以及明確對(duì)第一列本保險(xiǎn)單提供的保險(xiǎn):第八條、代位求償權(quán)如果被保險(xiǎn)人有權(quán)就本公司根據(jù)此保險(xiǎn)單已賠付的全部或部分金額進(jìn)行有權(quán)代被保險(xiǎn)人進(jìn)行追償。被保險(xiǎn)人不得在損失發(fā)生后做出任何有損該追償權(quán)的行第九條、本公司決定不予續(xù)保時(shí)的義務(wù)）；附件4-20產(chǎn)損失”;且須影響任何鐵路橋梁、高架橋、軌道、路基、隧道、地a.對(duì)圖件、施工圖、意見(jiàn)、報(bào)告、測(cè)量圖、現(xiàn)場(chǎng)指示、改動(dòng)指示、或6．不屬于上述1，2，3，4所列明的，且非以人員運(yùn)輸或者貨物運(yùn)輸為“汽車(chē)”，而非“機(jī)動(dòng)設(shè)備”：附件4-21（2）安置于汽車(chē)或卡車(chē)底盤(pán)，并用于升降工人的1.包括所有發(fā)生在被保險(xiǎn)人所擁有或租借的場(chǎng)所以外，由“列名被保險(xiǎn)人的產(chǎn)品”其它方面已完成但仍需保養(yǎng)、維修、修改、修理或替換的工作應(yīng)視為法使用之損失。所有前開(kāi)無(wú)法使用之損失應(yīng)于其肇因之實(shí)體損壞發(fā)根據(jù)列名被保險(xiǎn)人的指示進(jìn)行工作和行動(dòng)，并且無(wú)需列名被保險(xiǎn)人或其他人就其工作支附件4-22附件4-23第六部分保險(xiǎn)單一般事項(xiàng)附件4-24本保險(xiǎn)單包括投保人與本公司就承保事項(xiàng)達(dá)成的所有協(xié)議。保單明細(xì)表中第一列名經(jīng)本公司同意有權(quán)對(duì)保單條款提出變更申請(qǐng)。保單條款只有通過(guò)本公司簽發(fā)批單才三、查閱被保險(xiǎn)人的賬冊(cè)和檔案在保險(xiǎn)期限以及保險(xiǎn)期限屆滿(mǎn)后三年內(nèi)的任何時(shí)間，本公司可以查閱被保險(xiǎn)人與本保（1）隨時(shí)進(jìn)行查勘；（3）提出改進(jìn)建議。2.本公司沒(méi)有義務(wù)進(jìn)行任何檢查、查勘、提出報(bào)告或提出改進(jìn)建議，所有保性及保費(fèi)計(jì)算而為。本公司不為任何人或組織履行保證工人或社會(huì)公眾安全或健壓力容器或升降機(jī)的證書(shū)有關(guān)的任何檢查、勘查、報(bào)告或改附件4-25如被保險(xiǎn)人與本公司發(fā)生有關(guān)本保險(xiǎn)單的爭(zhēng)議，則適用中華人民共和國(guó)法律CommercialGeneralLiabilityInsurance(OccurVariousprovisionsinthispolicyrestrictcoverage.Readtheentirepolicycarefullytodeterminerights,dutiesandwhatThroughoutthispolicythewords"you"and"your"reInsuredunderthispTheword"insured"meansanypersonororgaSECTIONII-WHOISANINSURED.OtherwordsandphrasesthatappearintoSECTIONV-DEFINITIONS.SECTIONI-COVERAGESCOVERAGEA-BODILYINJURYANDPROPERTYDAMAGELIABILITYa.Wewillpaythosesumsthattheinsuredbecomeslegallyobligdamagesbecauseof"bodilyinjury"or"propertydamage"towhichthisagainstany"suit"seekingthosedamages.However,SECTIONIII-LIMITSOFINSURANCE;and(2)OurrightanddutytodefendendswhenwehlimitofinsuranceinthepaymentofjudgmentsorsettlementsunderCoveragesAorBormedicalexpencoveredunlessexplicitlyprovidedforunderSupplementaryPayments-b.Thisinsuranceappliethattakesplaceinth附件4-26附件4-27(2)The"bodilyinjury"or"propertydamage"occu(3)Priortothepolicyperiod,noinsuredlistedunderParagraphSECTIONII-WHOISANINSUREDandno“employee”authorizedbyyoutogiveorreceivenoticeofan“occurrence”orclaim,knewthatthe“bodilyinjury”or“propertydamage”hadpart.Ifsuchalistedinsuredorauthorized“employee”knew,priortothepolicyperiod,thatthe“bodilyinjury”or“propertydamage”occurred,thenanycontinuation,changeorresumptionofsuch“bodilyinjury”or“propertydamage”duringorafterthepolicyperiodwillbedeemedtohavebeenknownpriortothepolicyperiod.c.“Bodilyinjury”or“propertydamage”whichoccursduringthepolicypandwasnot,priortothepolicyperiod,knowntohaveoinsuredlistedunderParagraph1.ofSECTIONII-WHOISANINSUREDorany“employee”authorizedbyyoutogiveorreceivenoticeofofthat“bodilyinjury”or“propertydamage”aftertheendofthepperiod.d.“Bodilyinjury”or“propertydamage”willbedeemedtohavebeenknowntohaveoccurredattheearliesttofSECTIONII-WHOISANINSUREDorany“employee”authorizedbyyoutogiveorreceivenoticeofan“occurrence”orclaim:(1)Reportsall,oranypart,ofthe“bodilyinjury”or“propertydamage”tous(2)Receivesawrittenorverbaldemandorclaimfordamagesbecaus“bodilyinjury”or“propertydamage”;ordamage”hasoccurredorhasbegunte.Damagesbecauseof“bodilyinjury”includedamagesclaimedbyanypersona.ExpectedOrInstandpointoftheins附件4-28contractoragreement.T(1)Thattheinsuredwouldhavebecauseof"bodilyinjury"(a)Liabilitytoinwhichdamagestowhichthisinsuran(1)Causingorcontributingtotheintoxidrinkingageorundertheinfluendistributionoruseofalcodistributing,selling,servingorfurnishingalcohod.Workers'CompensationAndAnyobligationoftheinsuredunderbenefitsorunemploymentcompensate.Employer'sLiabili(1)An"employee"oftheinsuredarisingoutofbusiness;or附件4-29consequenceofParagraphmustpaydamagesbecauseoftheinjury.allegedorthreateneddischarge,dispersal,releaseorescapeof"polHowever,thissubparagraphdoe(i)"Bodilyinjury"ifbeheldliable,ifyouareaongoingoperationsperthatpremises,siteolocationisnotinsured;orstorage,disposal,processingortreatmentofwaste;(c)Whichareorwereattreated,disposedof,or附件4-30(d)Atorfromanypremonanyinsured'sbehalfareperformingoperasubcontractor.However,thissubparagraphdoesnomechanicalfunctionsnoperatingfluidsescapefromavehicle"bodilyinjury"or"propertylubricantsorotherbuildingandcausedbythereleasefrommaterialsbroughtintothatbuildinginconnecontractororsubcontroranycontractorsorsuindirectlyonanyinsudamagesbecauseoftestingfor,monitoriremoving,containing,treating,detoxifyin附件4-31anywayrespondingto,orassessingtheeffectsof,"pollutants".However,thisparagraphdoesg.Aircraft,AutoOrWatercraftwatercraftownedoroperincludesoperationtrainingormonitoringo"auto"orwatercrafttha(1)AwatercraftwhileashomaintenanceoruseofaircraftorwofanyoftheequipmentlistedinParagraphf.(2)ordefinitionof"mobi附件4-32declared,oranyactorcondiinsurrection,rebellionorrej.DamageToPropertyrepair,replacement,enhancement,restorationormaintenanceofpersonordamagetoanotharisesoutofanypartofthosepremises;(4)Personalpropertyinthecare,custodyorcont(5)Thatparticulcontractorsorsubcontractorsworkingdirectlyorindirectlyonyooutofthoseoperations;or(6)Thatparticularpartofanypropertorreplacedbecause"yourworkdamage"(otherthandamagebyfire)topremises,incdays.AseparatelimitofinsuranceappliestoRentedToYouasdescribedwork"andwereneveroccupied,rincludedinthe"productscompl"Propertydamage"to"附件4-33includedinthe"productscomplfm.DamageToImpairedPropertyOrPropertyNotbeenphysicallyinjured,arisingoutof:(2)AdelayorfailureperformacontractoragreementThisexclusiondoesnotapplytothelossoutofsuddenandaccidentaln.RecallOfProducts,WorkOrImpadjustment,removalordisposalof:orsuspecteddefect,deficiency,inadftheowner.AseparatelimitofinsudescribedinSECTIONIII-LIMITSOFINSURANCE.o.PersonalAndAdvertisin"Bodilyinjury"arisingoutof附件4-34asbestosisand/orrelateddisecontributedbythemanuproductcontainingasWeshallhavenodur.ProfessionalLiabilitytoprovideprofessionalainanywaycausedby,contributedtoorarisingfrom:(1)Nuclearreactorsand/ornuclearpowers(a)theproductionofnucle(b)theproductionorstDamagesarisingoutoftheloss,lossofuseof,damageto,corruptionof,inabiliorinabilitytomanipulateelectroniAsusedinthisexclusion,electronicdatameansinformation,factson,createdorusedon,ortransmittedtoorapplicationssoftware,hardorfloppydisks,CD-ROMs,tapes,devicesoranyothermedicwhichareusedwithelectronicallycontrCOVERAGEB–PERSONALANDADVERTISINGINJURYa.Wewillpaythosesumsthattheinsuredbecomeslegallyobligdamagesbecauseof"personalandadvertisinginjury"towhichthisinsuranceinvestigateanyoffenseandsettlea附件4-35SECTIONIII-LIMITSOFINSURANCE;andlimitofinsuranceinthepaymentofjudgmentsorsettlementsunderCoveragesAorBormedicalexpencoveredunlessexplicitlyprovidedforunderSupplementaryPayments-offensearisingoutofyourbusiness,butonlyiftheoffensewascommittedinthe"coverageterritory",dua.KnowingViolationOfRightsOfAnotherinsuredwiththeknowledgethattheactwouldviolatetherightsofanotherandwouldinflict"persb.MaterialPublishedWithKnowledgeOfFalsitypublicationofmaterial,ifdonebyoratthedirectionoftheinsuredwithknowledgeofitsfalsity.c.MaterialPublispublicationofmaterialwhosefirstpublicationtookplacebefbeginningofthepolicyperiod.committedbyoratthedirectioexceptanimpliedcontracttou附件4-36g.QualityOrPerformanceOfGoods-FailureToConformToStatementsh.WrongDescriptionOfPricofthepriceofgoods,productsorservicesstatedinyouri.InfringementOfCopyright,Patent,Trademaadvertisif"advertisement",ofcopyrightj.InsuredsInMediaAndInternetTypeBusinesses"Personalandadvertisingin(1)Advertising,broadcasting,publishingortelecasting;(2)Designingordeterminingcontentofwebsite(3)AnInternetsearch,access,cf"personalandadvertisinginjury"undertbyitself,consideredthebusinessofadvertising,broadcasting,publishingk.ElectronicChatroomsOrBulll.UnauthorizedUseOfAnother'sNameOrProducttisingfanother'snameorprodumetatag,oranyothers附件4-37finanywayrespondto,orassesstheeffectsof,"pollutants";or(2)Claimorsuitbyoronbecontaining,treating,drespondingto,orassess“Personalandadvertising”,howevercaused,arising,directlyorindirectly,outof:(2)Warlikeactionbyamilitaryforcactualorexpectedattack,bpersonnelorotheragents;or(3)Insurrection,rebellion,revolution,usurpedpower,oractionauthorityinhinderingordefendingagainstanyofthese.COVERAGEC-MEDICALPAYMENTSa.Wewillpaymedicalexpensesasdescribedbelo(2)Onwaysnexttoprem(3)Becauseofyouroperations;(1)Theaccidenttakesplaceinthe"coverageterrito(2)Theexpensesareincurredandreportedtouswithinoneyearooftheaccident;and(3)Theinjuredpersonsubmitstoexaminatiphysiciansofourchoiceasoftenaswereasonablyrequire.b.Wewillmakethesepaymentsregardlessoffault.Thesepaymentswillnot附件4-38exceedtheapplicablelimitofinsura(1)Firstaidadministeredatthetime(2)Necessarymedical,surgical,x-rayanddentalservices,prostheticdevices;and(3)Necessaryambulance,hospital,profeWewillnotpayexpec.InjuryOnNormallyOd.WorkersCompensationAndSimworkers'compensationordisabilitybenee.AthleticsActivitiesToapersoninjuredwhiletf.Products-CompletedOpIncludedwithinthe"products-comExcludedunderCoverwar.Warincludescivilwar,insurrection,rebellionorrevolSUPPLEMENTARYPAYMENTS-COVERAGESAANDB附件4-39b.Upto$250forcostofbailbondsrequiredbecauseofaccidentsortrafficlawviolationsarisingoutoftheuseofanyvehicletowhichtheBodilyInjuLiabilityCoverageapplies.Wedonothavetofurnishthesebc.Thecostofbondstoreleaseattachments,butheapplicablelimitofinsurance.Wedonothavetofurnishthesebonds.d.Allreasonableexpensesincurredboffearningsupto$250adaybecauseoftimeofffromwork.e.Allcoststaxedagainstthf.Prejudgmentinterestawardedagainsttheinsuredonthatpartofthejudgmentwepay.Ifwemakeanoffertopaytheapplicablelimitofinsurance,wewillnotpayanyprejudgmentinterestbasedonthatperiodoftimeaftertheoffer.g.Allinterestonthefullamountofanyjudgmentthataccruesafterentryofthepartofthejudgmentthatiswithintheapplicablelimitofinsurance.Thesepaymentswillreducethelimitsofinsurance.namedasapartytothe"suit",wewilldefendthatifollowingconditionsaremeb.Thisinsuranceappliestosuchliaalsobeenassumedbytheinsuredioftheinsuredandtheinterestsoftheindemnitee;ndtheinsuredaskustoconductfcounseltodefendtheinsuredand(a)Cooperatewithusint(b)Immediatelysenduscopiesofanydemands,notices,sum附件4-40legalpapersreceivedinconnectionwith(d)Cooperatewithuswithrespecttocoordinatingotherapplicainsuranceavailabletotheindemnit(2)Providesuswithwrittenauthorizationto:(a)Obtainrecordsandotherinfor(b)Conductandcontrolthedefenseoftheindemniteeinsuch"Solongastheaboveconditionsaremet,attorneys'feesincurredbyusinindemnitee,necessarylitigationexpensesincurreincurredbytheindemniteeatourrequestwillbepaidasSupplementaryPayments.Suchfeandexpenseswillreducethelimitsofinsurance.andnecessarylitigationexpensesasSuppa.Wehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgmentsorsettlements;orParagraphf.above,SECTIONII-WHOISANINSURED1.IfyouaredesignatedintheDea.Anindividual,youandyourspouseareconductofabusinessofwhichyouarethesoleowner.b.Apartnershiporjointventure,youareaninsured.Yourmconductofyourbusiness.insureds,butonlywithrespecttotheconductofyourbusiness.Yourmanagersareinsureds,butonlywithrespecttotheirdutiesasyourmanagerd.AnorganizationotherthanapartnersYourstockholdersarealsoinsureds,butonlywithrespecttotherespecttotheirdutiesastru2.Eachofthefollowingis附件4-41a.Your"volunteeconductofyourbusiness,oryour"employees",otherthaneitheryour"executiveofficers"(ifyouareanorganizationotherthanapartnership,jointliabilitycompany),butonlyforactswithinthescopeoftheiremploymentbyyouorwhileperformingdutiesrelatedtotheconductofyourbusiness.However,noneofthese"employees"or"volunteerworkers"arejointventure),toyourmembers(ifyouarealimitedliabilitycompany),toaco-"employee"whileinthecourseemploymentorperformingdutiesrelatedtotheconductofyourbusiness,ortoyourother"volunteerworkers"whileperformingdutiesrelatedtotheconductofyourbusiness;(b)Tothespouse,childor"volunteerworker"asaconsequenceofParagraphsomeoneelsewhomustpaydamagesbecauseoftheinjury(d)Risingoutofhisorherprovidingorfailingtoprovideprofessi(b)Rentedto,inthecare,custodcontrolisbeingexercisedforanypurposebyyou"employees","volunteeareapartnershiporjointventure),olimitedliabilitycompany).b.Anyperson(otherthanyour"employee"or"volorganizationwhileactingasyourrealestac.Anypersonororganizationhavingpropertemporarycustodyofyourpropertyifyoudie,butonly:(1)Withrespecttoliabilityarisingoutofthemainproperty;and(2)Untilyourlegalrepresentativehasbe附件4-42alongapublichighwaywithyourpermissionresponsiblefortheconrespecttoliabilityarisingoutoftheoperationoftheequipment,andoliability.However,nopersonororganizationisaninsuredwithrespectta."Bodilyinjury"toaco-"employee"ofthepersondrivingtheequipmentb."Propertydamage"topropertyowneoccupiedbyyouortheemployerofanypersonwhoisaninsuredunderthisprovision.4.Anyorganizationyounewlyacquireorform,otherthanamajorityinterest,wilinsuranceavailabletothatorgacquireorformtheorganizationortheendofthepolicyperiod,whicheverisoccurredbeforeyouacquiredorformedtheapplyto"persofanoffensecommittedbeforeyouacquiredorfoNopersonororganizationisaninsuredwithrespecttotheconductofanycurrentorpastpartnership,jointventureorlimitedliabilitycompanythatisnotshownasaNamedInsuredintheDSECTIONIII-LIMITSOFINSURANCEmostwewillpayregardlessofthenumberof:c.Personsororganizationsmakingclaimsorbringing"suits".2.TheGeneralAggregateLimitisthe附件4-43c.DamagesunderCoverage3.TheProducts-CompletedunderCoverageAfordamagesbecauseof"bodilyinjury"and"proincludedinthe"products-completedoperationshazard".willpayunderCoverageBfortandadvertisinginjury"sustainedbyanyonepersonororganization.mostwewillpayforthesumof:a.DamagesunderCob.MedicalexpensesunderCoverageCbecauseofall"bodi"propertydamage"arisingoutofanyone"occurrence".wewillpayunderCoverageAfordamagesbecauseof"propertydamage"toanyonepremises,whilerentedtoyou,orinthecaseofdamagebyfire,whilerentedtoyouortemporarilyoccupiedbyyouwithpermissionoftheowner.CoverageCforallmedicalexpensesbecauseof"bodiTheLimitsofInsuranceofthisCoveragePartapplysebeginningofthepolicyperiodshownintheDeclarations,unlessthepolicyperiodistheadditionalperiodwillbedeemedpartofthelastprecedingperiodforpurposesofdeterminingtheLimitsofInsurance.SECTIONIV-COMMERCIALGENERALLIABILITYCONDITIONSBankruptcyorinsolvencyoftheinsuredoroftheinsured'sestatewillnotrelieveusofourobligationsunderthisCoveragePart.2.DutiesInTheEventOfOccurrence,a.Youmustseetoitthatweare"occurrence"oranoffensewhichmayrespossible,noticeshouldinclude:(1)How,whenandwherethe"occurrence"oroffe(2)Thenamesandaddressesofanyinjuredpersonsandwitnesses;and(3)Thenatureandlocationofanyinjuryordamagearisingoutofthe附件4-44b.Ifaclaimismadeor"suit"isbroughtagains(1)Immediatelyrecordthespecificsofthecreceived;and(2)Notifyusassoonac.Youandanyotherinvol(1)Immediatelysenduscopiesofanydemands,legalpapersreceivedinconnecti(2)Authorizeustoobtainrecordsandotherinformat(3)Cooperatewithusintheinvestigationors(4)Assistus,uponourrequest,intheenforcementofanyrightagpersonororganizationwhichmaybeliabinjuryordamagetowhichthisinsurancemayalsoapply.d.Noinsuredwill,exceptatthatinsured'sowncost,voluntaripayment,assumeanyobligation,orincurane.Wheretheinsuredfailstocomplywithdifficulttodeterminethenature,causweshallnotbeliableforindemnifyingtheundet3.LegalActionAgaiNopersonororganizationhasarightunderthisCoveragePab.TosueusonthisCovenotpayableunderthetermsofthisCoveragePartorthatareinexcessofapplicablelimitofinsurance.Anagreedsettlementmeansasettlemreleaseofliabilitysigned附件4-45Thisinsuranceisprimaryexceptwhenb.belowprimary,ourobligationsarenotaffectedunlessanyoftheotherinsuprimary.Then,wewillsharewithallthatotherdescribedinc.bel(1)Anyoftheotherinsu(a)ThatisFire,ExtendedCoverage,Builders'Risoccupiedbyyouwithpermissionoftheowner;(c)Thatisinsurancepurchasedbyyoutocfor"propertydamage"topremisesrentedtoyouortempooccupiedbyyouwithpermissionoftheowner;or(d)Ifthelossarisesoutofthemaintenanceoruseofaircraft,"autos"orwatercrafttotheextentnotsubjecttoExclusiong.ofSECTIONI-COVERAGEA-BODILYINJURYANDPROPERTYDAMAGELIABILITY.(2)Anyotherprimaryinsuranceavailabletoyoucoveringlidamagesarisingoutofthepremisesinsuredbyattachmentofanendorsement.Whenthisinsuranceisexcess,wewillhavenodutyunderCoveragesAdefendtheinsuredagainstthat"sshareoftheamountoftheloss,ifany,thatexceedsthesumof:theabsenceofthisinsurance;and(2)Thetotalofalldeductibleandsel附件4-46Wewillsharetheremaining