# CHUBB Enhanced Commercial Umbrella Liability Policy

## Definitions

- **"Catastrophe management services"** due to "adverse media coverage". "Catastrophe management event" will include "occurrences" resulting from i.) explosions and other man-made disasters; ii.) serious accidents resulting in multiple deaths, iii.) burns, iv.) dismemberment injuries; v.) traumatic brain injuries; vi.) permanent paralysis injuries; or vii.) injuries from contamination of food, drink or pharmaceuticals; if covered under this policy.
- **"Catastrophe management firm"** means any firm that is approved by us, which approval will not be unreasonably delayed or withheld, and hired by you or us to perform "catastrophe management services" in connection with a "catastrophe management event".
- **"Catastrophe management services"** mean those services performed by a "catastrophe management firm", in connection with a covered injury or damage, in advising the "insured" on managing "adverse media coverage" and maintaining and restoring public confidence in the "insured".
- **"Coverage territory"** means anywhere in the world.
- **"Defense costs"** mean expenses incurred in the investigation, negotiation, settlement or defense of a specific claim or "suit" alleging damages covered under this policy and includes the following supplementary payments:
  1. Up to $250 for cost of bail bonds because of an "occurrence" that may result in "bodily injury" or "property damage" covered by this policy. We do not have to furnish these bonds.
  2. The cost of bonds to release attachments, but only for bond amounts within the applicable Limit of Insurance. We do not have to furnish these bonds.
  3. The cost of appeal bonds required by law to appeal any "suit" we defend but only for bond amounts within the applicable Limit of Insurance. We do not have to apply for or furnish such bonds.
  4. All reasonable expenses incurred by the "insured" at our request to assist us in the investigation of any claim or the defense of any "suit", including actual loss of earnings up to $1,000 a day because of time off from work.
  5. All costs taxed against the "insured" in the "suit", except any attorney fees or litigation expenses or other "loss", cost or expense in connection with any injunction or other equitable relief.
  6. Pre-judgment interest awarded against the "insured" on that part of the judgment within the applicable Limit of Insurance that we pay. If we make an offer to pay the applicable Limit of Insurance, we will not pay any prejudgment interest accruing after the offer.
  7. Post-judgment interest on that part of any judgment within the applicable Limit of Insurance that we become obligated to pay that accrues after entry of the judgment and before we have paid, offered, or deposited in court the part of the judgment that we have become obligated to pay.
- **"Electronic data"** mean information, facts or programs stored as or on, created, used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMS, DVD-ROMS, Blu-Ray discs, tapes, drives, cells, data processing devices or any other media that are used with electronically controlled equipment.
- **"Employee"** means an individual working for you in return for remuneration. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker" or independent contractor.
- **"Enhanced coverage self-insured retention"** means the amounts shown in the Declarations as Enhanced Coverage Self-Insured Retention. The Enhanced Coverage Self-Insured Retention – Each Occurrence shall apply separately to each "occurrence" for which coverage is expressly granted excess of the "enhanced coverage self-insured retention" and shall be subject to the Enhanced Coverage Self-Insured Retention – Aggregate, which shall apply to each coverage or exception to an exclusion expressly granted excess of the "enhanced coverage self-insured retention". Notwithstanding the above, the Enhanced Coverage Self-Insured Retention – Aggregate shall not apply to amounts payable within an exception to the Pollution Exclusion under Section V. EXCLUSIONS.

## Page Information
XSE- 50762(05/18)
Page 18 of 27