3. The "Bodily Injury By Disease" – Aggregate Limit shown in the Schedule of this endorsement is the most we will pay for all damages covered by this insurance and arising out of "bodily injury by disease", regardless of the number of "employees" who sustain "bodily injury by disease".

4. Subject to Paragraph D.3. of this endorsement, the "Bodily Injury By Disease" – Each "Employee" Limit shown in the Schedule of this endorsement is the most we will pay for all damages because of "bodily injury by disease" to any one "employee".

The limits of the coverage apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance.

E. For the purposes of this endorsement, Condition 2. Duties In The Event Of Occurrence, Claim Or Suit of the Conditions Section IV is deleted and replaced by the following:

2. Duties In The Event Of Injury, Claim Or Suit

a. You must see to it that we or our agent is notified as soon as practicable of a "bodily injury by accident" or "bodily injury by disease" which may result in a claim. To the extent possible, notice should include:
(1) How, when and where the "bodily injury by accident" or "bodily injury by disease" took place;
(2) The names and addresses of any injured persons and witnesses; and
(3) The nature and location of any injury.
b. If a claim is made or "suit" is brought against any insured, you must:
(1) Immediately record the specifics of the claim or "suit" and the date received; and
(2) Notify us as soon as practicable.
You must see to it that we receive written notice of the claim or "suit" as soon as practicable.
c. You and any other involved insured must:
(1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the injury, claim, proceeding or "suit";
(2) Authorize us to obtain records and other information;
(3) Cooperate with us and assist us, as we may request, in the investigation or settlement of the claim or defense against the "suit";
(4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury to which this insurance may also apply; and
(5) Do nothing after an injury occurs that would interfere with our right to recover from others.
d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent.

F. Deductible

1. We will pay all sums that we become legally obligated to pay up to the Limits of Insurance under this endorsement and you must reimburse us for all such amounts up to the Deductible amount.
2. The Deductible applies to the sum of all damages because of bodily injury by disease applied separately to each employee; or the sum of all damages because of bodily injury to one or more employees in any one accident.
3. The terms of this insurance, including those with respect to:
a. Our right and duty to defend any "suits" seeking those damages; and
b. Your duties, and the duties of any other involved insured, in the event of injury, claim or "suit" apply irrespective of the application of the Deductible amount.
G. For the purposes of this endorsement, Paragraph 4. of the Definitions Section is replaced by the following:

4. "Coverage territory" means:
a. The United States of America (including its territories and possessions) and Puerto Rico;

LD-38042 (07/12)
© Insurance Services Office, Inc., 2010
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.