# PERSONAL INJURY LIABILITY INSURANCE COVERAGE PART

**POLICY NO.:** GA 8570500  
**EFFECTIVE DATE:** 12-31-67  
**AGENCY NO:** 50-515

## SCHEDULE

### COVERAGE
- **P. Personal Injury Liability**
  - The insurance afforded is only with respect to personal injury arising out of an offense included within such of the following groups of offenses as are indicated by specific premium charge or charges.

### GROUPS OF OFFENSES
- **A. False Arrest, Detention or Imprisonment, or Malicious Prosecution**
- **B. Libel, Slander, Defamation or Violation of Right of Privacy**
- **C. Wrongful Entry or Eviction or Other Invasion of Right of Private Occupancy**

### LIMITS OF LIABILITY
- $500,000 each person aggregate
- $1,000,000 general aggregate

### Insured's Participation: %  
- Minimum Premium: $  
- Total Advance Premium: $  
- Composite Rate: $  

## COVERAGE P—PERSONAL INJURY LIABILITY
The company will pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of injury thereby caused ("personal injury") sustained by any person or organization and arising out of one or more of the following offenses committed in the conduct of the named insured's business:
- **Group A**: False arrest, detention or imprisonment, or malicious prosecution;
- **Group B**: The publication or utterance of a libel or slander or of other defamatory or disparaging material, or a publication or utterance in violation of an individual's right of privacy; except publications or utterances in connection with the conduct of the business of broadcasting or telecasting activities conducted by or on behalf of the named insured;
- **Group C**: Wrongful entry or eviction, or other invasion of the right of private occupancy;

If such offense is committed during the policy period within the United States of America, its territories or possessions, or Canada and the company shall have the right and duty to defend any suit brought against the insured for damages account of such offense, regardless of any of the allegations of the suit are groundless, false or fraudulent, and may make such investigation and settlement of any claim or suit as it deems expedient, but the company shall not be liable for any claim or judgment or to defend such suit if the applicable limit of the company's liability has been exhausted by payment of judgments or settlements.

### Exclusions
This insurance does not apply:
- To personal injury arising out of the willful violation of a penal statute or ordinance committed by or with the knowledge or consent of any insured;
- To personal injury arising out of any publication or utterance described in Group B, if the first injurious publication or utterance of the same or similar material by or on behalf of the named insured was made prior to the effective date of this insurance;
- To personal injury arising out of any publication or utterance described in Group B concerning any organization or business enterprise, or its products or services, made by or at the direction of any insured with knowledge of the falsity thereof.

## PERSONS INSURED
Each of the following is an insured under this insurance to the extent set forth below:
(a) If the named insured is designated in the declarations as an individual, the person so designated.
(b) If the named insured is designated in the declarations as a partnership or joint venture, the partnership or joint venture so designated and any partner or member thereof but only with respect to his liability as such.
(c) If the named insured is designated in the declarations as other than an individual partnership or joint venture, the organization so designated and any executive officer or stockholder thereof acting within the scope of his duties as such.

This insurance does not apply to personal injury arising out of the conduct of any partnership or joint venture of which the named insured is a partner or member and which is not designated in this policy as a named insured.

## LIMITS OF LIABILITY INSURED'S PARTICIPATION
Regardless of the number of (1) insureds under this policy, (2) persons or organizations who sustain personal injury, or (3) claims made or suits brought on account of personal injury, the total liability of the company for all damages because of all personal injury to which this coverage applies, sustained by any one or more of the insureds, shall not exceed the limit of personal injury liability stated in the schedule as "each person aggregate."

Subject to the above provision respecting "each person aggregate," the total limit of the company's liability under this coverage for all damages shall not exceed the limit of personal injury liability stated in the schedule as "general aggregate."

If a participation percentage is stated in the schedule for the insured, the company shall be liable for a greater proportion of any loss than the difference between such percentage and one hundred percent and the balance of the loss shall be borne by the insured, provided the company may pay the insured a portion of a loss to effect settlement of the loss and, upon receipt of notice of the action taken, the named insured shall promptly reimburse the company therefor.

## AMENDED DEFINITION
When used in reference to this insurance:
"damages" means only those damages which are payable because of personal injury arising out of an offense to which this insurance applies.