**Personal Injury Coverage Endorsement**

This endorsement is issued by the company named below, which is the insurer under the policy designated above, issued to the Named Insured and forms a part of said policy as of the effective date hereof, at the hour stated in the policy Declarations.

**Personal Injury Coverage**

It is agreed that such insurance as is afforded by the policy applies subject to the following provisions:

1. The term "bodily injury" wherever used shall include injury arising out of the following hazards:
   - (A) False arrest, malicious prosecution, or wilful detention or imprisonment.
   - (B) Libel, slander or defamation of character.
   - (C) Invasion of the right of privacy.

The word "accident" wherever used shall include injury covered by this endorsement.

2. The insurance does not apply:
   - (A) To liability assumed by the insured under any contract or agreement;
   - (B) To injury caused by the wilful violation of a penal statute or ordinance committed by or with the knowledge or consent of an insured;
   - (C) To acts committed in connection with advertising, broadcasting or telecasting by or in the interests of the named insured;

The exclusions of the policy do not apply to this endorsement.

3. The limit of liability stated below as applicable to "each person" is the limit of the company's liability hereunder for all damages on account of injury sustained by one person or organization, and the limit of liability stated below as "aggregate" is, subject to the above provisions respecting each person, the total limit of the company's liability hereunder for all damages. The foregoing limits apply to all damages covered by this endorsement, whether or not the policy applies to such damages in the absence thereof, and the limits stated in the declarations do not apply to such damages.

**Limits of Liability:**
- $500,000 Each Person
- $1,000,000 Aggregate

**Zurich Insurance Company**
**American Guarantee and Liability Insurance Company**

**Countersigned:** [Signature]
**Form 116-G**
**Date:** [Date]

**END. #19**