U. **Personal Injury and Advertising Injury** means injury arising out of your business, including consequential Bodily Injury, arising out of one or more of the following offenses:

1. false arrest, detention or imprisonment;
2. malicious prosecution;
3. the wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies committed by or on behalf of its owner, landlord or lessor;
4. oral or written publication, in any manner, of material that slanders or libels a person or organization, or disparages a person's or organization's goods, products or services;
5. oral or written publication, in any manner, of material that violates a person's right of privacy;
6. the use of another's advertising idea in your Advertisement; or
7. infringement upon another's copyright, trade dress or slogan in your Advertisement.

V. **Policy Period** means the period of time from the inception date shown in Item 2 of the Declarations to the earlier of the expiration date shown in Item 2 of the Declarations or the effective date of termination of this policy.

W. **Pollutants** means any solid, liquid, gaseous or thermal irritant or contaminant including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

X. **Products-Completed Operations Hazard** means all Bodily Injury and Property Damage occurring away from premises you own or rent and arising out of Your Product or Your Work except:

1. products that are still in your physical possession; or
2. work that has not yet been completed or abandoned. However, Your Work will be deemed completed at the earliest of the following times:
   a. when all of the work called for in your contract has been completed;
   b. when all of the work to be done at the job site has been completed if your contract calls for work at more than one job site; or
   c. when that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project.
   
Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed.

Products-Completed Operations Hazard does not include Bodily Injury or Property Damage arising out of:
1. the transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any Insured; or
2. the existence of tools, uninstalled equipment or abandoned or unused materials.

Y. **Property Damage** means:
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

NOTICE: APPLICATION OF THE MINIMUM STANDARDS OF THE NEW YORK STATE INSURANCE DEPARTMENT. HOWEVER, SUCH FORMS AND RATES MUST MEET THE MINIMUM STANDARDS OF THE NEW INSURANCE LAW AND REGULATIONS.

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AH0877 2 - 13000 ©2001 American International Group, Inc.
includes copyrighted material of Insurance Services Office, Inc. with its permission.