# Document Title

## Definitions

1. **Advertising Activities** - The term "Advertising Activities" shall mean the use of any means of communication, including but not limited to, radio, television, newspapers, magazines, billboards, posters, and other forms of advertising media, for the purpose of promoting or advertising the insured's products.
2. **Aircraft** - The term "Aircraft" wherever used herein, shall mean any aircraft designed to transport persons or property, whether or not such aircraft is operated by the named insured.
3. **Automobile** - The term "Automobile", wherever used herein, shall mean any land motor vehicle, trailer, or combination thereof, which has been completed as of the date of the policy.

## Conditions

### Inspection and Audit

The company shall be entitled to inspect the named insured's property and operations at any time during the policy period. The company may make inspections for the purpose of determining whether the named insured's property and operations are safe and in compliance with applicable laws and regulations.

### Maximum Limits of Liability

The maximum limits of liability under this policy are as follows:

- **Products Hazard**: $500,000
- **Personal Injury Liability**: $1,000,000
- **Property Damage Liability**: $1,000,000

### Occurrence

The term "Occurrence" wherever used herein shall mean an accident, including continuous or repeated exposure to conditions, which results in personal injury, property damage, or advertising liability neither expected nor intended from the standpoint of the insured.

### Personal Injury Liability

The term "Personal Injury Liability" shall mean bodily injury, sickness, disease, disability, shock, mental anguish and mental distress, death at any time resulting therefrom, false arrest, detention of imprisonment, prosecution or humiliation, publication or utterance of a libel or slander, or other defamation or disparagement of rights of privacy except when arising out of the insured's advertising activities, violation of right of private occupancy, and battery not committed by or at the direction of the insured, unless committed for the purpose of protecting persons or property, which occurs during the policy period. In no event shall any of the foregoing be construed to include discrimination, whether actual or alleged.

### Products Hazard

The term "Products Hazard" includes personal injury and property damage arising out of the insured's products or service upon a representation or warranty made at any time with respect thereto only if the personal injury or property damage occurs away from premises owned by or leased to the insured and after physical possession of such products has been released to others.

### Property Damage Liability

The term "Property Damage Liability" shall mean liability for damages caused by (1) physical injury to or destruction of tangible property of others occurring during the policy period, or (2) loss of tangible property which has not been physically injured or destroyed provided such loss is caused by an occurrence during the policy period.

### Ultimate Net Loss

The term "Ultimate Net Loss" shall mean the sum actually paid or payable in cash on the settlement or satisfaction of losses for which the insured is liable either by adjudication or compromise with the written consent of the company, after reasonable deduction for all recoveries and salvages collectible, but excludes all loss expenses and legal expenses.

## Endorsements

Any endorsement to appear through window.

## IBM-ZRIND 00073