# Excess Over Layer Indemnity Policy

## Amended Definitions

It is agreed that such insurance as is afforded by this policy for excess net loss applies only to personal injury or property damage caused by an occurrence as defined below:

### 1. Personal Injury

The term "personal injury" means bodily injury, mental injury, mental anguish, shock, sickness, disease, disability, false arrest, false imprisonment, wrongful eviction, wrongful detention, malicious prosecution, racial or religious discrimination not committed at the direction of the insured, humiliation, invasion of rights of privacy, libel, slander, or defamation of character; also, piracy and any infringement of copyright, title or slogan or of property or contract rights committed or alleged to have been committed in the conduct of the insured's advertising activities.

### 2. Property Damage

The term "property damage" means damage to or destruction or loss of tangible property (including loss of use), excluding, however, damage to and/or loss of use of property owned by the named insured.

### 3. Occurrence

The term "occurrence" means an accident or a continuous or repeated exposure to conditions which cause injury, damage or destruction neither expected nor intended from the standpoint of the insured. Any number of such injuries, damage or destruction resulting from a common cause or from exposure to substantially the same conditions shall be deemed to result from one occurrence.

This endorsement, issued by one of the below-named companies, forms a part of the policy to which attached, effective on the inception date of the policy unless otherwise stated herein.

(The information below is required only when this endorsement is issued subsequent to preparation of policy.)

| Endorsement effective | Policy No. | Endorsement No. | 2 |
|----------------------|------------|-----------------|---|
| Named Insured         |            |                 |   |
| Additional Premium $ | Return Premium $ | BI PD | $ | $ | $ | $ |

The Aetna Casualty and Surety Company<br>The Standard Fire Insurance Company<br>Hartford, Connecticut

Countersigned by [Authorized Representative]

[Signature]
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This document outlines the definitions and coverage details for an excess over layer indemnity policy, specifying what constitutes personal injury, property damage, and an occurrence under the policy. It also includes a section for endorsement details, though the specific details are left blank in the provided text.