# New York Changes Commercial General Liability Coverage Form

This endorsement modifies insurance provided under the following:

**Commercial General Liability Coverage Part**

A. Paragraph 1.a. of **Coverage A - Bodily Injury and Property Damage Liability (Section I - Coverages)** is replaced by the following:

1. Insuring Agreement
   a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" to which this insurance applies. We will have the right and duty to defend any "suit" seeking those damages even if the allegations of the "suit" are groundless, false or fraudulent. We may, at our discretion, investigate any "occurrence" or offense and settle any claim or "suit" that may result. But:
      (1) The amount we will pay for damages is limited as described in LIMITS OF INSURANCE (SECTION III); and
      (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A and B or medical expenses under Coverage C.
   No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS - COVERAGES A AND B.

B. Paragraph 1.a of **Coverage B - Personal and Advertising Injury Liability (Section I - Coverages)** is replaced by the following:

1. Insuring Agreement

a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal injury or advertising injury to which this insurance applies. We will have the right and duty to defend any "suit" seeking those damages even if the allegations of the "suit" are groundless, false or fraudulent. We may, at our discretion, investigate any "occurrence" or offense and settle any claim or "suit" that may result. But:
   (1) The amount we will pay for damages is limited as described in LIMITS OF INSURANCE (SECTION III); and
   (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A and B or medical expenses under Coverage C.
   No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS - COVERAGES A AND B.

C. The following is added as paragraph e. to the DUTIES IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT Condition (Paragraph 2. of Section IV - Commercial General Liability Conditions):

2. Duties in the Event of Occurrence, Offense, Claim or Suit
   e. Notice given by or on behalf of the insured, or written notice by or on behalf of the injured person or any other claimant, to any agent of ours in New York State, with particulars sufficient to identify the insured, shall be considered to be notice to us.

D. The definition of "loading or unloading" in the DEFINITIONS Section does not apply.

**Policy Number:** GL 017-90-97
**Commercial General Liability CG 01 63 10 93**
**Copyright, Insurance Services Office, Inc., 1992**
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