# UMBRELLA LIABILITY

## Policy Provisions

The member company of THE HARTFORD INSURANCE GROUP designated on the Declarations page as the insurer (a stock insurance company, herein called the company)

In consideration of the payment of the premium, in reliance upon the statements in the declarations made a part hereof and subject to all of the terms of this policy, agrees with the named insured as follows:

### I. COVERAGE

The company will pay on behalf of the insured "ultimate net loss in excess of the total applicable limit" (as stated in the Extension Schedule of Underlying Insurance Policies) of underlying insurance or the amount of the self-insured retention when no underlying insurance applies, because of bodily injury, personal injury, property damage or advertising injury to which this insurance applies, caused by an occurrence.

### EXCLUSIONS

This insurance does not apply:

A. to liability assumed by the insured under any contract or agreement with respect to an occurrence taking place before the contract or agreement is made;

B. to bodily injury or property damage arising out of the ownership, operation, maintenance, use or loading or unloading of any aircraft (1) owned by any insured, or (2) chartered or loaned to any insured without a crew; but this exclusion does not apply to bodily injury to any employees of any insured arising out of and in the course of their employment by any insured;

C. to bodily injury or property damage arising out of the ownership, operation, maintenance, use or loading or unloading of any watercraft over fifty feet in length, owned by any insured or chartered or loaned to any insured being used to carry persons for a charge; but this exclusion does not apply to bodily injury to any employees of any insured arising out of and in the course of their employment by any insured, or any watercraft while ashore on premises owned by, rented to, or controlled by the named insured;

D. to bodily injury or property damage arising out of the discharge, dispersal, release or escape of smoke, vapors, fumes, acids, or caustics.

*In any jurisdiction where the company may be prevented from otherwise from paying on behalf of the insured, the words "pay on behalf of the insured" are replaced by "indemnify the insured for"

**Form XL-12-1**

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