# NEW YORK AMENDATORY ENDORSEMENT — UMBRELLA LIABILITY

**Policy Number:** 10 HU SG6756

This endorsement forms a part of the policy as numbered above, issued by THE HARTFORD INSURANCE GROUP company designated therein, and takes effect as of the effective date of said policy unless another effective date is stated herein.

**Effective Date:** Effective hour is the same as stated in the Declarations of the policy.
**Endt. No.:** 9

It is agreed that:

1. The definition of "personal injury" is amended to read:
   - "personal injury" means injury, other than advertising injury, arising out of one or more of the following offenses committed during the policy period in the conduct of the named insured's business:
     (1) 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;
     (2) false arrest, detention or imprisonment, or malicious prosecution;
     (3) wrongful entry or eviction or other invasion of an individual's right of privacy.

2. Exclusion L is amended to read:
   - L to personal injury sustained by any person:
     (1) as the result of an offense directly or indirectly related to the employment of such person by the named insured, or

(2) on account of discrimination because of race, creed, color or national origin.

3. CONDITION 5. Action Against Company, is amended to read as follows:
   - No action shall lie against the company unless, as a condition precedent thereto, there shall have been full compliance with all of the terms of this policy, nor until the amount of the insured's obligation to pay shall have been finally determined either by judgment against the insured or by written agreement of the insured, the claimant, and the company.
   - Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. No person or organization shall have any right under this policy to join the company as a party to any action against the insured to determine the insured's liability, nor shall the company be impleaded by the insured or his legal representative. Bankruptcy or insolvency of the insured or of the insured's estate shall not relieve the company of any of its obligations hereunder.

Nothing herein contained shall be held to vary, waive, alter, or extend any of the terms conditions, agreements or declarations of the policy, other than as herein stated.

This endorsement shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this endorsement takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this endorsement.

Form XL-257-1 Printed in U.S.A.

Countersigned by: ___________________________
Authorized Agent