# EXCESS OVERLAYER INDEMNITY POLICY

## AMENDMENT OF COVERAGE - DEFENSE COSTS

In consideration of the premium charged, it is agreed that Aetna Casualty will indemnify the Insured against Defense Costs incurred by the Insured in the ratio that Aetna Casualty's liability for Excess Net Loss as finally adjusted bears to the total of all sums which the Insured becomes legally obligated to pay, or has paid, as damages on account of any one accident or occurrence, such Defense Costs to be paid in addition to the applicable limit of liability under this policy.

Defense Costs as used herein means interest on judgments, costs of investigation, adjustment expenses and legal expenses, but Defense Costs shall not include any expenses for (1) salaried employees of the Insured; or (2) office expenses of the Insured.