# Umbrella Prime®

## Commercial Umbrella Liability Policy With CrisisResponse®

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words "we," "us" and "our" refer to the company providing this insurance.

The word Insured means any person or organization qualifying as such under Section VII. Definitions.

Except for headings, words that appear in bold print have special meaning. See Section VII. Definitions.

In consideration of the payment of the premium and in reliance upon the statements in the Declarations, we agree to provide coverage as follows:

### I. INSURING AGREEMENT - COMMERCIAL UMBRELLA LIABILITY

A. We will pay on behalf of the Insured those sums in excess of the Retained Limit that the Insured becomes legally obligated to pay as damages by reason of liability imposed by law because of Bodily Injury, Property Damage or Personal Injury and Advertising Injury to which this insurance applies or because of Bodily Injury or Property Damage to which this insurance applies assumed by the Insured under an Insured Contract.

The amount we will pay for damages is limited as described in Section IV. Limits of Insurance.

B. This policy applies, only if:
1. the Bodily Injury or Property Damage is caused by an Occurrence that takes place anywhere, and the Bodily Injury or Property Damage occurs during the Policy Period; and
2. the Personal Injury and Advertising Injury is caused by an Occurrence that takes place anywhere arising out of your business, but only if the Occurrence was committed during the Policy Period.

C. This policy applies to Bodily Injury, Property Damage, and Personal Injury and Advertising Injury only if prior to the Policy Period, no Insured shown in Paragraph M2 of Section VII, no officer, no manager in your risk management, insurance or legal department and no employee who was authorized by you to give or receive notice of an Occurrence, claim or Suit, knew that the Bodily Injury or Property Damage had occurred, in whole or in part, or that an Occurrence had been committed that caused Personal Injury and Advertising Injury. If such an Insured, manager or authorized employee knew, prior to the Policy Period, that the Bodily Injury or Property Damage had occurred or that an Occurrence had been committed that caused Personal Injury and Advertising Injury, then any continuation, change or resumption of such Bodily Injury, Property Damage or Personal Injury and Advertising Injury during or after the Policy Period will be deemed to have been known prior to the Policy Period.

D. Bodily Injury, Property Damage or Personal Injury and Advertising Injury will be deemed to have been known at the earliest time when any Insured shown under Paragraph M2 of Section VII, any manager in your risk management, insurance or legal department or any employee who was authorized by you to give or receive notice of an Occurrence, claim or Suit:
1. reports all, or any part, of the Bodily Injury, Property Damage or Personal Injury and Advertising Injury to us or any other insurer.

NOTICES: THIS POLICY FURNISHES THE APPLICABLE RATES AND EARLY WARNING REQUIREMENTS OF THE NEW YORK STATE INSURANCE DEPARTMENT. HOWEVER, SUCH FORMS AND RATES MUST MEET THE MINIMUM STANDARDS OF THE NEW YORK INSURANCE LAW AND REGULATIONS.
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This text provides a detailed overview of the coverage provided by the Umbrella Prime® Commercial Umbrella Liability Policy with CrisisResponse®. It outlines the conditions under which the policy applies, the types of damages covered, and the limitations of the policy.