# CHUBB Enhanced Commercial Umbrella Liability Policy

## Definitions

### Covered Offense
With respect to "personal and advertising injury", a covered offense. All damages that arise from the same act, publication or injurious materials or acts are considered to arise out of the same "occurrence", regardless of the frequency or repetition thereof, the number or kind of media used or the number of claimants.

### Other Insurance
"Other insurance" means a policy or policies of insurance providing coverage for damages covered in whole or in part by this policy. "Other insurance" does not include "underlying insurance" or any policy of insurance specifically purchased to be excess of this policy and providing coverage that this policy also provides.

### Personal and Advertising Injury
"Personal and advertising injury" means injury, including consequential "bodily injury", arising out of one or more of the following offenses:

1. False arrest, detention or imprisonment;
2. Malicious prosecution;
3. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor;
4. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services;
5. Oral or written publication, in any manner, of material that violates a person's right of privacy;
6. The use of another's advertising idea in your "advertisement"; or
7. Infringing upon another's copyright, trade dress or slogan in your "advertisement".

### Policy Period
"Policy period" means the time between the inception date of this policy shown in the Declaration and the earlier of the expiration date shown or the termination date of this policy.

### Pollutants
"Pollutants" mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. As used in this definition, waste includes materials to be recycled, reconditioned or reclaimed.

### Products-Completed Operations Hazard
1. Means all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except:
   a. Products that are still in your physical possession; or
   b. Work that has not yet been completed or abandoned. However, "your work" will be deemed completed at the earliest of the following times:
      1. When all of the work called for in your contract has been completed.
      2. When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site.
      3. When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project.
   Work that may need service, maintenance, correction, repair or replacement, but that is otherwise complete, will be treated as completed.
2. Does not include "bodily injury" or "property damage" arising out of:
   a. The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any "insured";

## Page Information
XSE- 50762(05/18)
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