# CHUBB Enhanced Commercial Umbrella Liability Policy

if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it.

- **Trade or Economic Sanctions**

This insurance does not apply to the extent that United States of America trade or economic sanctions, including, but not limited to, sanctions administered and enforced by the United States Treasury Department's Office of Foreign Assets Control, prohibit us from providing insurance, including, but not limited to, the payment of claims.

- **Unauthorized Use of Another’s Name or Product**

This insurance does not apply to “personal and advertising injury” arising out of the unauthorized use of another’s name or product in your e-mail address, domain name or meta-tag, or any other similar tactics to mislead another’s potential customers.

- **Unsolicited Communications**

This insurance does not apply to “bodily injury”, “property damage” or “personal and advertising injury” arising out any form of communication, including but not limited to facsimile, electronic mail, posted mail or telephone that violates or is alleged to violate:

1. the Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law;
2. The CAN-SPAM Act of 2003, including any amendment of or addition to such law;
3. The Fair Credit Reporting Act (FCRA), including any amendment of or addition to such law, including the Fair and Accurate Credit Transaction Act (FACTA); or
4. Any federal, state, or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003, or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.

- **War**

This insurance does not apply to “bodily injury”, “property damage” or “personal and advertising injury”, however caused, arising directly or indirectly as a result of or in connection with:

1. War, including undeclared or civil war;
2. Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or
3. Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.

- **Watercraft**

This insurance does not apply to “bodily injury” or “property damage” arising out of the ownership, maintenance, use or entrustment to others of any watercraft owned or operated by or rented or loaned to any “insured”. Use includes operation and “loading or unloading”.

This exclusion applies even if the claims against any “insured” allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that “insured” with respect to an “occurrence” arising out of the ownership, maintenance, use or entrustment to others of any watercraft that is owned or operated by or rented or loaned to any “insured”.

However, this exclusion does not apply to “bodily injury” or “property damage” arising out of: