# CHUBB Enhanced Commercial Umbrella Liability Policy

## Definitions

### Property Damage
- **Property damage** means:
  1. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use will be deemed to occur at the time of the physical injury that caused it; or
  2. Loss of use of tangible property that is not physically injured. All such loss of use will be deemed to occur at the time of the "occurrence" that caused it.
- For the purposes of this insurance, "electronic data" are not tangible property.

### Retained Limit
- **Retained limit** means the following, as applicable:
  1. The total limits of "underlying insurance", if applicable, and any "other insurance" providing coverage to the "insured";
  2. The amount shown in the Declarations as the Umbrella Coverage Self-Insured Retention applicable to each "occurrence" that results in damages not covered by applicable "underlying insurance", and any "other insurance" providing coverage to the "insured". This paragraph shall not apply in the event paragraphs 3. or 4. below apply;
  3. The amounts shown in the Declarations as the Enhanced Coverage Self-Insured Retention applicable to damages that are described as subject to the "enhanced coverage self-insured retention", and any applicable "other insurance". This paragraph shall not apply if paragraph 4. below applies; or
  4. The applicable "scheduled retained limit" listed in any Schedule of Retained Limits attached to this policy, and any applicable "other insurance" providing coverage to the "insured".

### Scheduled Retained Limit
- **Scheduled retained limit** means a self-insured retention set forth in a Schedule of Retained Limits attached to this policy that applies to one or more coverages. Such self-insured retention must be exhausted by payment of "loss" covered under this policy before the coverage afforded by this policy shall apply. Such "scheduled retained limit" may be subject to various terms and conditions set forth in the Schedule of Retained Limits or an endorsement to this policy adding such "scheduled retained limit".

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

### Special Nuclear Material
- **Special nuclear material** has the meaning given it in the Atomic Energy act of 1954 or in any law amendatory thereof.

### Spent Fuel
- **Spent fuel** means any fuel element or fuel component, solid or liquid, that has been used or exposed to radiation in a "nuclear reactor".

### Suit
- **Suit** means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes:
  1. An arbitration proceeding in which such damages are claimed and to which the "insured" must submit or does submit with our consent; or
  2. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the "insured" submits with our consent.

### Temporary Worker
- **Temporary worker** means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions.

### Umbrella Coverage Self-Insured Retention
- **Umbrella coverage self-insured retention** means the amount shown in the Declarations as Umbrella Coverage Self-Insured Retention, which shall apply to each "occurrence" that results in damages not covered by applicable "underlying insurance". However, the "umbrella coverage self-insured retention" shall not apply to any "occurrence" that is expressly covered excess of the "enhanced coverage self-insured retention" or a "scheduled retained limit".