# PERSONAL INJURY LIABILITY INSURANCE COVERAGE PART

**POLICY NO.:** GA 8596100  
**EFFECTIVE DATE:**  
**AGENCY NO.:**

## SCHEDULE

| COVERAGE | LIMITS OF LIABILITY |
| --- | --- |
| P. Personal Injury Liability | $500,000 each person aggregate<br>$1,000,000 general aggregate |
| Insured's Participation | % |

### GROUPS OF OFFENSES

| GROUPS OF OFFENSES | ADVANCE PREMIUM |
| --- | --- |
| A. False Arrest, Detention or Imprisonment, or Malicious Prosecution | $ |
| B. Libel, Slander, Defamation or Violation of Right of Privacy | $ |
| C. Wrongful Entry or Eviction or Other Invasion of Right of Private Occupancy | $ |

| Minimum Premium | $ | Total Advance Premium | $ | INCL. IN | COMPOSITE RATE |

## 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 (herein 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—Libel, Slander, Defamation or Violation of Right of Privacy:**
- **Group C—Wrongful Entry or Eviction or Other Invasion of 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 insured seeking damages on account of such personal injury even though the investigation or settlement of any claim false or fraudulent, and 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 personal injury arising out of the willful violation of a penal statute; or ordinance committed by or with the knowledge or consent of any insured;
- (b) to personal injury arising out of any publication or utterance described in Group B if the first 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;
- (c) to personal injury arising out of a publication or utterance described in Group B concerning any organization or business enterprise, or its products or services, made by or at the direction of any insured with knowledge of the falsity thereof.

## 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;

(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 or partnership or joint venture, the organization so designated and any executive officer, director, or 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 liability of the company for all damages because of any one offense which this coverage applies, sustained by any one person or organization, shall not exceed the limit of personal injury liability stated in the schedule as "each person aggregate."

Subject to the above provision respecting "each person aggregate," the total limit of the company's liability under this coverage shall not exceed the sum stated in the "personal injury liability" stated in the schedule as "general 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 between such percentage and one hundred percent shall be the insured's portion of a loss to effect settlement of the loss, and, upon notification of the action taken, the named insured shall promptly reimburse the company therefor.

## IV. AMENDED 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.