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GENERAL LIABILITY DEFINITIONS Continued... Contractual Liability Extends your coverage to liability assumed under contract, applies to both oral and written agreements relating to named insured's business. Host Liquor Liability Covers your exposure for serving liquor to clients or employees at company parties. Applies only to firms not engaged in business of selling or serving alcoholic beverages. Broad Form Property Damage Intended for firms, which perform work or services,rather than sell 1 Coverage or produce products. Usually intended for construction contractors, repairers of automobiles, installers of property. Incidental Medical Malpractice Extends term "bodily injury" to mean injury arising out of rendering of or failure to render,during the policy period; medical, surgical, dental, x-ray, or nursing services,or furnishing of food or beverages in connection therewith or the dispensing or furnishing drugs or medical,dental or surgical supplies Non-Owned Watercraft (Under 26 feet in length) Provides coverage for liability, which Liability Coverage arises from any watercraft as long as watercraft is not owned by insured nor being used to carry persons or property for a fee. Limited Worldwide Coverage Intended to extend the scope of"policy territories" to anywhere in the world. Limited to the activities of any insured who is domiciled in the United States and the original suit for damage is brought within the United States, its territories, possessions, or in Canada. Extended Bodily Injury Amends definition of occurrence to; includes any intentional act by Coverage or at the direction of the insured,which results in bodily injury, but only if such bodily injury results from the use of "reasonable" force for purposes of protecting persons or property. Newly Acquired Organizations Automatic protection for newly acquired organizations until the new organizations is specifically added to the policy or 90 days, whichever occurs first. Additional Persons Insured Includes as insureds; (1) Any spouse of a partner concerning business activities of the partnership and (2) any employee of the named insured while acting within the scope of his or her duties. Does not apply to bodily injury or personal injury sustained by a fellow employee which occurs during the course of employment. Claims Made Form Only This coverage is provided automatically without an additional premium charge if coverage is canceled, not renewed, or the insurer renewal with a later retroactive date. The basic extended reporting period starts at the end of the policy period and last for five years for claims made against the insured within the five year period and reported to the insurer within 60 days after the end of the policy period. 53