# Enhanced Commercial Umbrella Liability Policy

Various provisions in this policy restrict coverage. Please 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.

Other words and phrases that appear in "quotation marks" have special meaning. Refer to Section VII - DEFINITIONS.

We, the company named in the Declarations, relying upon the statements made and information furnished to us, and in return for the payment of premium and subject to the terms, conditions, and limits of insurance of this policy, agree as follows:

## I. INSURING AGREEMENT – COMMERCIAL UMBRELLA LIABILITY

### A. “Bodily Injury” and “Property Damage” Liability

1. 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 imposed by law or assumed by the "insured" under an "insured contract" because of "bodily injury" or "property damage" to which this insurance applies.
2. This insurance applies to "bodily injury" and "property damage", but only if:
   a. The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory";
   b. The "bodily injury" or "property damage" occurs during the "policy period"; and
   c. Prior to the "policy period", no "insured" listed in paragraph 2. of the definition of "insured" and no "employee" authorized by you to give or receive notice of an "occurrence" or claim knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such listed "insured" or authorized "employee" knew, prior to the "policy period", that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the "policy period" will be deemed to have been known prior to the "policy period".
3. "Bodily injury" or "property damage" that occurs during the "policy period" and was not, prior to the "policy period", known to have occurred by any "insured" listed in paragraph 2. of the definition of "insured" or any "employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation, change or resumption of that "bodily injury" or "property damage" after the end of the "policy period".
4. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any "insured" listed in paragraph 2. of the definition of "insured" or any "employee" authorized by you to give or receive notice of an "occurrence" or claim:
   a. Reports all or any part of the "bodily injury" or "property damage" to us or any other insurer;
   b. Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or
   c. Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur.
5. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury".

### B. “Personal and Advertising Injury” Liability

1. 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