# CHUBB Enhanced Commercial Umbrella Liability Policy

- **Advertisement**: means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition:
  1. Notices that are published include material placed on the Internet or on similar electronic means of communication; and
  2. Regarding websites, only that part of a website that is about your goods, products or services for the purposes of attracting customers or supporters is considered an “advertisement”.

- **Auto**: means:
  1. A land motor vehicle, trailer or semi-trailer designed for travel on public roads, including any attached machinery or equipment.
  2. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.
However, “auto” does not include “mobile equipment”.

- **Auto liability**: means liability for “bodily injury” or “property damage” arising out of the ownership, maintenance, use or entrustment to others by or on behalf of the “insured” of an “auto”. Use includes operation and “loading or unloading.” “Auto liability” includes damages arising out of claims that allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an “insured”.

- **Bodily injury**: means bodily injury, sickness or disease sustained by a person, including death resulting from bodily injury, sickness or disease at any time. “Bodily injury” includes mental anguish, mental injury, shock or humiliation if resulting from bodily injury. All such resulting mental anguish, mental injury, shock, or humiliation shall be deemed to occur at the time of the bodily injury that caused it.

- **Byproduct material**: has the meaning given it in the Atomic Energy act of 1954 or in any law amendatory thereof.

- **Catastrophe management costs**: mean the following reasonable and necessary expenses incurred during a “catastrophe management event” and directly caused by the “catastrophe management event”:
  1. Expenses incurred by a “catastrophe management firm” in the performance of “catastrophe management services” for the “insured”;
  2. Expenses for printing, advertising, mailing of materials or travel by directors, officers, “employees” or agents of the “insured” or the “catastrophe management firm” incurred at the direction of a “catastrophe management firm”; expenses to secure the scene of a “catastrophe management event”;
  3. Medical expenses; funeral expenses; expenses for psychological counseling; travel expenses; temporary living expenses or other necessary response costs approved by us that are incurred by or advanced to third parties directly harmed by the “catastrophe management event”;
  4. Emergency medical evacuation and repatriation of injured persons, and up to two family members or other traveling companions of each such injured person, when adequate medical facilities are not available in the vicinity of the “catastrophe management event”;
  5. “Food laboratory testing expense”; and
  6. The employment of engineers, scientists and other professionals for the purposes of rescue or attempted rescue of humans.

- **Catastrophe management event**: means an “occurrence” that, in the good faith opinion of a “key individual”, has resulted in or is reasonably likely to result in: (1) “bodily injury”, “property damage” or “personal and advertising injury” covered by this policy in excess of the “retained limit”; and (2) a need for