# PERSONAL INJURY LIABILITY INSURANCE

**L 9288 (Ed. 1-73)**

For attachment to Policy 661.32.78.678-00, to complete said policy.

## SCHEDULE

| Coverage | Limits of Liability |
| --- | --- |
| P—Personal Injury Liability | 1000 thousand dollars aggregate | % Insured's Participation |

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

| Groups of Offenses | Advance Premiums |
| --- | --- |
| A. False Arrest, Detention or Imprisonment, or Malicious Prosecution | $ INCL. |
| B. Libel, Slander, Defamation or Violation of Right of Privacy | $ INCL. |
| C. Wrongful Entry or Eviction or Other Invasion of Right of Private Occupancy | $ INCL. |

Form numbers of endorsements attached at issue: $ INCL. IN

Total Advance Premium: $ COMPOSITE RATE Minimum Premium: $


## EXCLUSION "A" AND "C" ARE DELETED

### I. 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 therein 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 publication or utterance in violation of an individual's right of privacy, except publications or utterances in the course of religious, educational, 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 against the named insured for damages on account of such personal injury even if any investigation of the suit was fraudulent. The company may make such investigation and settlement of any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to defend any suit after the applicable 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, unless 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.

### II. 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 and his spouse;

(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 stockholder thereof while 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 insured is a partner or member and which is not designated in this policy as a named insured.

### III. 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 limit of the company's liability under this coverage for all such claims shall not exceed the limit of personal injury liability stated in the schedule as "aggregate."

If a participation percentage is stated in the schedule for the insured, the company shall not 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 in proportion to the percentage per the table's portion of a loss effect settlement of the loss, and upon notification of the action taken, the named insured shall promptly reimburse the company therefor.

### IV. ADDITIONAL 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.