company's manual specifies "including completed operations".

"damages" do not include fines or penalties or damages for which insurance is prohibited by the law applicable to the construction of this policy. Subject to the foregoing, "damages" include damages for any of the following which result at any time from bodily injury to which this policy applies: death, mental anguish, shock, disability or care and loss of services or consortium:

"defense expenses" means all reasonable expenses (other than the amount of any settlement) incurred by the named insured in discharging the named insured's obligations under Provision II with respect to the investigation, defense or settlement of claims or suits except (1) salaries of salaried employees of the named insured, and (2) any such expense payable under an underlying insurance policy or any other valid and collectible insurance;

"executive officer" means a person holding any of the officer positions created by the charter, constitution or by-laws of the named insured;

"first named insured" means the person or organization first named in Item 1 of the declarations of this policy;

"insured" means any person or organization qualifying as an insured in the "Persons Insured" provision of this policy. The insurance afforded applies separately to each insured against whom claim is made or suit is brought, except with respect to the limits of the company's liability;

"named insured" means the first named insured and any other person or organization named in Item 1 of the declarations and any other organization coming under the named insured's control and of which it assumes active management;

"named insured's dispensary or clinic" means a dispensary, clinic or similar facility maintained by the named insured for the benefit or convenience of the named insured's employees or students;

"named insured's products" means goods or products manufactured, sold, handled or distributed by the named insured or by others trading under his name, including any container thereof (other than a vehicle), but named insured's products shall not include a vending machine or any property other than such container, rented to or located for use of others but not sold;

"occurrence" means

(1) with respect to bodily injury or property damage: an accident, including continuous or repeated exposure to conditions, which results in bodily injury or property damage neither expected nor intended from the standpoint of the insured and includes:

(a) the rendering of or failure to render professional medical, dental or nursing services by the named insured's dispensary or clinic.

(b) the use of reasonable force for the lawful protection of employees, tenants, guests or property of the named insured, and

(2) with respect to advertising injury and personal injury respectively: an offense described in one of the numbered subdivisions of those terms in this policy;

"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; or

(4) discrimination or humiliation not intentionally committed by or at the direction of the insured or any executive officer, director, stockholder, partner or member thereof, but only with respect to injury to the feelings or reputation of a natural person;

"products hazard" includes bodily injury and property damage arising out of the named insured's products or reliance upon a representation or warranty made at any time with respect thereto, but only if the bodily injury or property damage occurs away from premises owned by, or rented to the named insured, and after physical possession of such products has been relinquished to others;

"property damage" means (1) physical injury to or destruction of tangible property which occurs during the policy period, including the loss of use thereof at any time resulting therefrom or (2) loss of use of tangible property which has not been physically injured or destroyed provided such loss of use is caused by an occurrence during the policy period;

"self-insured retention" means the amount stated as such in the declarations which is retained and payable by the insured with respect to "each occurrence". All expenses incurred in the investigation of defense of a claim or suit within the self-insured retention shall be payable by the company;

"suit" includes an arbitration proceeding to which the insured is required to submit or to which the insured has submitted with the company's consent;

"ultimate net loss" means all sums which the