Common use of Coverage E – Personal Liability and Coverage F Clause in Contracts

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion ap- plies but is not limited to an act or omission, re- gardless of its nature or circumstance, involving a service or duty rendered, promised, owed, or implied to be provided because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to ren- der professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- ers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraph (1) A trailer not towed by or carried on a motor- ized land conveyance. (2) A motorized land conveyance designed for recreational use off public roads, not subject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- dence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured location"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- low. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er not owned by or rented to an "in- sured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tion; or (b) Your intention to insure is report- ed to us in writing within 45 days after you acquire the outboard engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- ery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion ap- plies applies but is not limited to an act or omission, re- gardless regardless of its nature or circumstance, involving a service or duty rendered, promised, owed, or implied to be provided because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an accident causing "bodily injury." Medical expenses means reasonable charges for medical, surgical, x-ray, dental, ambulance, hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to you or regular residents of your household except "residence employees." As to others, this coverage applies only: 1. To a person on the "insured location" with the permission of an "insured"; or 2. To a person off the "insured location," if the "bodily injury": a. Arises out of a condition on the "insured location" or the ways immediately adjoining; b. Is caused by the activities of an "insured"; c. Is caused by a "residence employee" in the course of the "residence employees" employment by an "insured"; or d. Is caused by an animal owned by or in the care of an "insured." "insured." This exclusion does not apply to the rental or hold- ing holding for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate private garage; d. Arising out of the rendering of or failure to ren- der render professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- erstrailers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance conveyance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraphparagraph (1) or (2) above. This exclusion does not apply to: (1) A trailer not towed by or carried on a motor- ized motorized land conveyance.; (2) A motorized land conveyance designed for recreational use off public roads, not subject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured insured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- denceresidence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured location"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed described below; (2) The entrustment by an "insured" of an ex- cluded excluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- lowbelow. Excluded watercraft are those that are principally designed to be propelled by engine power or electric motor, or are sailing vessels, whether owned by or rented to an "insured." This exclusion does not apply to watercraft: (1) That are not sailing vessels and are pow- ered powered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er horsepower not owned by or rented to an "in- suredinsured"; (c) One or more outboard engines or mo- tors motors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors motors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tioninception; or (b) Your intention to insure is report- ed reported to us in writing within 45 days after you acquire the outboard engines or motors. (ii) You acquire them during the policy period. This coverage applies for the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft aircraft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft.. An aircraft means any contrivance used or designed for flight, except model or hobby aircraft not used or designed to carry people or cargo; i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose.. Discharge of a nuclear weapon will be deemed a warlike act even if accidental; j. Which arises out of the transmission of a communicable disease by an "insured;"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- erydelivery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 Exclusions e., f., g., and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana and all narcotic drugs. However, this exclusion does x. do not apply to "bodily injury" to a "residence employee" arising out of and in the legitimate use course of prescription drugs the "residence employee's" employment by a person following the orders of a licensed physicianan "insured."

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion ap- plies applies but is not limited to an act or omission, re- gardless regardless of its nature or circumstancecircum- stance, involving a service or duty rendered, promised, owed, or implied to be provided because be- cause of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to ren- der render professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- erstrailers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance con- veyance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraph (1) A trailer not towed by or carried on a motor- ized land conveyance. (2) A motorized land conveyance designed for recreational use off public roads, not subject sub- ject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured insured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- dence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured locationloca- tion"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded excluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- lowbelow. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er horse- power not owned by or rented to an "in- suredinsured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tionin- ception; or (b) Your intention to insure is report- ed re- ported to us in writing within 45 days after you acquire the outboard out- board engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft aircraft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- erydelivery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion ap- plies but is not limited to an act or omission, re- gardless of its nature or circumstance, involving a service or duty rendered, promised, owed, or implied to be provided because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to ren- der professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- ers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraph (1) A trailer not towed by or carried on a motor- ized land conveyance.; (2) A motorized land conveyance designed for recreational use off public roads, not subject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- dence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured location"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- low. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er not owned by or rented to an "in- sured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tion; or (b) Your intention to insure is report- ed to us in writing within 45 days after you acquire the outboard engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- ery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion ap- plies but is not limited to an act or omission, re- gardless regardless of its nature or circumstance, involving involv- ing a service or duty rendered, promised, owed, or implied to be provided because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to ren- der render professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- erstrailers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance con- veyance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraph (1) A trailer not towed by or carried on a motor- ized land conveyance.; (2) A motorized land conveyance designed for recreational use off public roads, not subject sub- ject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- dence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured location"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- low. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er horse- power not owned by or rented to an "in- sured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tion; or (b) Your intention to insure is report- ed to us in writing within 45 days after you acquire the outboard engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- eryde- livery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injuryin- jury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged en- gaged in by an "insured." This exclusion ap- plies applies but is not limited to an act or omission, re- gardless regardless of its nature or circumstance, involving a service or duty rendered, promised, owed, or implied to be provided because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing holding for rental of an "insured location": (1) On an occasional basis if used only as a residenceresi- dence; (2) In part for use only as a residence, unless a single sin- gle family unit is intended for use by the occupying occupy- ing family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garageprivate ga- rage; d. Arising out of the rendering of or failure to ren- der render professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized motor- ized land conveyances, including trail- erstrailers, owned or operated by or rented or loaned to an "insuredin- sured"; (2) The entrustment by an "insured" of a motor vehicle ve- hicle or any other motorized land convey- ance conveyance to any person; or (3) Vicarious liability, whether or not statutorily imposedim- posed, for the actions of a child or minor using a conveyance excluded in paragraphparagraph (1) or (2) above. This exclusion does not apply to: (1) A trailer not towed by or carried on a motor- ized motorized land conveyance. (2) A motorized land conveyance designed for recreational rec- reational use off public roads, not subject to motor mo- tor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured insured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- denceresidence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured location"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- low. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er not owned by or rented to an "in- sured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tion; or (b) Your intention to insure is report- ed to us in writing within 45 days after you acquire the outboard engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- ery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "businessbusi- ness" engaged in by an "insured." This exclusion ap- plies exclu- sion applies but is not limited to an act or omissionomis- sion, re- gardless regardless of its nature or circumstance, involving a service or duty rendered, promised, owed, or implied to be provided because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to ren- der render professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- erstrailers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance con- veyance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraph (1) A trailer not towed by or carried on a motor- ized land conveyance.; (2) A motorized land conveyance designed for recreational use off public roads, not subject sub- ject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- dence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured locationloca- tion"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- low. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er horse- power not owned by or rented to an "in- sured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tion; or (b) Your intention to insure is report- ed to us in writing within 45 days after you acquire the outboard engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- eryde- livery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insuredin- sured"; b. Arising out of or in connection with a "businessbusi- ness" engaged in by an "insured." This exclusion ap- plies exclu- sion applies but is not limited to an act or omission, re- gardless regardless of its nature or circumstancecircum- stance, involving a service or duty rendered, promised, owed, or implied to be provided because be- cause of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to ren- der render professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- erstrailers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance con- veyance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraph (1) A trailer not towed by or carried on a motor- ized land conveyance. (2) A motorized land conveyance designed for recreational use off public roads, not subject sub- ject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- dence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured locationloca- tion"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded excluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- low. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er horse- power not owned by or rented to an "in- sured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tion; or (b) Your intention to insure is report- ed re- ported to us in writing within 45 days after you acquire the outboard out- board engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft aircraft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- erydelivery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insuredin- sured"; b. Arising out of or in connection with a "businessbusi- ness" engaged in by an "insured." This exclusion ap- plies exclu- sion applies but is not limited to an act or omission, re- gardless regardless of its nature or circumstancecircum- stance, involving a service or duty rendered, promised, owed, or implied to be provided because be- cause of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to ren- der render professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- erstrailers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance con- veyance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraph (1) A trailer not towed by or carried on a motor- ized land conveyance.; (2) A motorized land conveyance designed for recreational use off public roads, not subject sub- ject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- dence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured locationloca- tion"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded excluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- low. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er horse- power not owned by or rented to an "in- sured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and (a) You declare them at policy incep- tion; or (b) Your intention to insure is report- ed re- ported to us in writing within 45 days after you acquire the outboard out- board engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft aircraft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- erydelivery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion ap- plies but is not limited to an act or omission, re- gardless regardless of its nature or circumstance, involving involv- ing a service or duty rendered, promised, owed, or implied to be provided because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to ren- der render professional services; e. Arising out of a premises: (1) Owned by an "insured"; (2) Rented to an "insured"; or (3) Rented to others by an "insured"; that is not an "insured location"; f. Arising out of: (1) The ownership, maintenance, use, loading or unloading of motor vehicles or all other motorized land conveyances, including trail- erstrailers, owned or operated by or rented or loaned to an "insured"; (2) The entrustment by an "insured" of a motor vehicle or any other motorized land convey- ance con- veyance to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using a conveyance excluded in paragraph (1) A trailer not towed by or carried on a motor- ized land conveyance. (2) A motorized land conveyance designed for recreational use off public roads, not subject sub- ject to motor vehicle registration and: (a) Not owned by an "insured"; or (b) Owned by an "insured" and on an "in- sured location"; (3) A motorized golf cart when used to play golf on a golf course; (4) A vehicle or conveyance not subject to motor vehicle registration which is: (a) Used to service an "insured's" resi- dence; (b) Designed for assisting the handicapped; or (c) In dead storage on an "insured location"; g. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an excluded watercraft de- scribed below; (2) The entrustment by an "insured" of an ex- cluded watercraft described below to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an excluded watercraft described be- low. (1) That are not sailing vessels and are pow- ered by: (a) Inboard or inboard-outdrive engine or motor power of 50 horsepower or less not owned by an "insured"; (b) Inboard or inboard-outdrive engine or motor power of more than 50 horsepow- er horse- power not owned by or rented to an "in- sured"; (c) One or more outboard engines or mo- tors with 25 total horsepower or less; (d) One or more outboard engines or mo- tors with more than 25 total horsepower if the outboard engine or motor is not owned by an "insured"; (e) Outboard engines or motors of more than 25 total horsepower owned by an "insured" if: (i) You acquire them prior to the policy period; and: (a) You declare them at policy incep- tion; or (b) Your intention to insure is report- ed to us in writing within 45 days after you acquire the outboard engines or motors. (ii) You acquire them during the policy period. (2) That are sailing vessels, with or without auxiliary power: (a) Less than 26 feet in overall length; (b) 26 feet or more in overall length, not owned by or rented to an "insured." (3) That are stored; h. Arising out of: (1) The ownership, maintenance, use, loading or unloading of an aircraft; (2) The entrustment by an "insured" of an air- craft to any person; or (3) Vicarious liability, whether or not statutorily imposed, for the actions of a child or minor using an aircraft. i. Caused directly or indirectly by war, including the following and any consequence of any of the following: (1) Undeclared war, civil war, insurrection, rebellion or revolution; (2) Warlike act by a military force or military personnel; or (3) Destruction, seizure or use for a military purpose. j. Which arises out of the transmission of a communicable disease by an "insured"; k. Arising out of sexual molestation, corporal punishment or physical or mental abuse; or l. Arising out of the use, sale, manufacture, deliv- eryde- livery, transfer or possession by any person of a Controlled Substance(s) as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, ma- rijuana marijuana and all narcotic drugs. However, this exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician.