# CHUBB Enhanced Commercial Umbrella Liability Policy

## "personal and advertising injury" to which this insurance applies.

2. This insurance applies to "personal and advertising injury", but only if:
   a. The "personal and advertising injury" arises out of your business;
   b. The "personal and advertising injury" is caused by an "occurrence" that takes place in the "coverage territory"; and
   c. The "occurrence" causing the "personal and advertising injury" was committed during the "policy period".

### II. INSURING AGREEMENT – CATASTROPHE MANAGEMENT INSURANCE

A. We will pay to third parties, on behalf of and at the request of the "insured", "catastrophe management costs" arising out of injury or damage that, in the good faith opinion of a "key individual", has resulted in or is reasonably likely to result in a "catastrophe management event" first commencing during the "policy period", up to the amount of the Catastrophe Management Aggregate Limit shown in the Declarations.
B. This coverage part applies only to "catastrophe management costs" arising out of a "catastrophe management event" that occurs during the "policy period".
C. Our obligation to pay "catastrophe management costs" will end when we determine that the necessary elements listed in the definition of "catastrophe management event" no longer exist or when the Catastrophe Management Aggregate Limit shown in the Declarations has been exhausted, whichever occurs first.
D. Any payment of "catastrophe management costs" that we make will not:
   1. Be a determination of any other rights or obligations under this policy;
   2. Create any duty to defend any "suit" under any other part of this policy; or
   3. Operate as a waiver of any right or defense we have with respect to the coverage under this policy, including the Condition titled Duties In The Event Of "Occurrence", Claim Or "Suit".
E. We have no obligation under this coverage part with respect to any "catastrophe management costs" incurred or paid without our prior consent, which will not be unreasonably delayed or withheld.
F. We have no other obligation or liability to pay sums or perform acts or services under this coverage part.
G. Payment of covered "catastrophe management costs" shall not be subject to the "retained limit".

### III. DUTY TO DEFEND AND "DEFENSE COSTS"

A. We will have the right and duty to defend the "insured" against any "suit" seeking damages for "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies, even if groundless, false or fraudulent:
   1. When such damages would be covered by "underlying insurance" but are not covered because of the exhaustion of the applicable limits of "underlying insurance" by the payment of "loss" to which this insurance applies, and the total applicable limits of any "other insurance" have been exhausted; or
   2. When such damages are not covered by "underlying insurance" and any applicable self-insured retention, including the "enhanced coverage self-insured retention", has been exhausted by the payment of "loss" to which this insurance applies, and the total applicable limits of any "other insurance" have been exhausted; or
   3. When damages sought for "bodily injury", "property damage" or "personal and advertising injury" are subject to a "scheduled retained limit" and such "scheduled retained limit" has been exhausted by the payment of "loss" to which this insurance applies and the total applicable limits of any "other insurance" have been exhausted.

XSE- 50762(05/18)
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