# Personal Injury Liability Insurance

## Coverage Part

**For attachment to Policy No:** 8826230

### Schedule

| Coverage | Limits of Liability |
| --- | --- |
| P - Personal Injury Liability | $1,000,000 thousand dollars aggregate | % Insured's Participation |

The insurance afforded is only with respect to personal injury arising out of an offense, excluding within such of the following groups of offenses as we 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 Evasion or Other Invasion of Right of Private Occupancy  

Form numbers of endorsements attached at issue

| Total Advance Premium | COMPOSITE RATE | Minimum Premium $ |

## 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 (hereinafter called "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 public or private utterance in violation of an individual's right of privacy; except public or private utterance in the course of advertising, broadcasting or telemarketing 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, possessions, or Canada, and the company will have the right and duty to defend any suit brought by the insured seeking damages not exceeding the limits of liability for personal injury even if any of the allegations made but are groundless, false or fraudulent, provided that it make such investigation and settlement of claims or suit as it deems expedient. The company shall not be obligated to pay claim, judgment, or to defend any suit after the expiration of the limit of the company's liability has been exhausted by payment of judgments or settlements.

### Exclusions

This insurance does not apply:

(a) To liability assumed by the insured under any contract or agreement;

(b) To personal injury arising out of the wilful violation of a penal statute or ordinance committed by or with the knowledge or consent of any insured;

(c) To personal injury sustained by any person as a result of an offense directly or indirectly related to the employment of such person by the named insured;

(d) To personal injury arising out of any publication or utterance described in Group B, if the first publication or utterance of the same matter was made prior to the effective date of this insurance.

### Limits of Liability (Insured's Participation)

Regardless of the number of (1) insureds under this policy, (2) persons or organizations whose names are included in the declarations, and (3) events or units brought to account of personal injury, the total limit of the sum insured for personal injury liability stated in this schedule as "aggregate" shall not exceed the "limit of personal injury liability" stated in this schedule as "aggregate."

When used in reference to this insurance, "damages" means damages which are payable because of personal injury arising out of an offense to which this insurance applies.