# CHUBB Enhanced Commercial Umbrella Liability Policy

## Employers Liability

This insurance does not apply to "bodily injury" to:

1. An "employee" of the "insured" arising out of and in the course of:
   a. Employment by the "insured"; or
   b. Performing duties related to the conduct of the "insured's" business; or
2. The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph 1 above.

This exclusion applies:
1. Whether the "insured" may be liable as an employer or in any other capacity; and
2. To any obligation to share damages with or repay someone else who must pay damages because of the injury.

This exclusion does not apply:
1. To the extent that such coverage is provided by "underlying insurance" or would have been provided but for the exhaustion of the applicable limits of "underlying insurance" by the payment of "loss" to which this policy applies; provided, however, that coverage provided by this policy will be no broader than coverage provided by "underlying insurance"; or
2. When coverage is expressly provided excess of a "scheduled retained limit".

## Employment Practices

This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of:
1. Refusal to employ;
2. Termination of employment;
3. Coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, failure to promote, failure to compensate, retaliation, violation of civil rights, invasion of privacy, discrimination or other acts or omissions arising out of employment related practices, or other employment related practices, policies, acts or omissions; or
4. Any consequential liability, damage, "loss", cost or expense as a result of paragraphs 1, 2, or 3. above.

This exclusion applies whether or not the "insured" may be held liable as an employer or in any other capacity, and to any obligation to share damages with or repay someone else who must pay damages because of such injury or damages.

## Expected or Intended Injury

This insurance does not apply to "bodily injury" or "property damage" expected or intended from the standpoint of the "insured". This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property.

## Infringement of Copyright, Patent, Trademark, Trade Secret or Other Intellectual Property Rights

This insurance does not apply to "personal and advertising injury" arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights.

However, this exclusion does not apply to infringement in your "advertisement" of copyright, trade dress or slogan.

## Insureds in Media and Internet-Type Businesses