Common use of PRINCIPAL COVERAGES Clause in Contracts

PRINCIPAL COVERAGES. COVERAGE L-BODILY INJURY AND/OR PROPERTY DAMAGE We provide bodily injury and/or property damage coverage if a limit of liability is shown on the Declarations page, the Supplemental Declarations page or on any endorsement attached to this policy. The bodily injury and/or property damage must be caused by an occurrence. The occurrence must take place in the WHAT WE PAY FOR-COVERAGE L We pay, up to the limit of liability, all sums when the insured is legally obligated to pay damages because of bodily injury and/or property damage caused by an occurrence to which this coverage applies. We will not accept any obligations or liability to pay sums or to perform acts or services unless the coverage is specifically provided for in the Supplementary Payments. The bodily injury and/or property damage must result from the ownership, maintenance or use of the insured premises, and operations necessary or incidental to your business and conducted from the insured premises. We shall have the right and duty to defend the insured against any suit seeking covered damages, even if any of the allegations of the suit are groundless, false or fraudulent, provided the suit originates from bodily injury and/or property damage not otherwise excluded. We may make any investigation and settle any claim or suit that we decide is appropriate. We are not obligated to provide a defense after we have paid, either by judgment or settlement, an amount equal to our limit of liability. Coverage L applies to: 1. Bodily injury including covered damages claimed by any person or organization for care, loss of services or death resulting at any time from the bodily injury. 2. Property damage including loss of use of tangible property that is not physically injured and which shall be deemed to occur at the time of the occurrence that caused it. COVERAGE M-MEDICAL PAYMENTS WHAT WE PAY FOR-COVERAGE M We pay reasonable medical expenses for care or treatment of bodily injury to each injured person caused by an accident occurring within the coverage territory and within the policy term. Such injury must be incurred and reported to us within one year of the date of the accident, and it must arise from one of the following: 1. a condition on the premises you own or rent; 2. on ways next to premises you own or rent; or 3. operations with respect to which the named insured is afforded coverage for bodily injury liability under the policy.

PRINCIPAL COVERAGES. COVERAGE L-BODILY INJURY AND/OR PROPERTY DAMAGE We provide bodily injury and/or property damage coverage if a limit of liability is shown on the Declarations page, the Supplemental Declarations page or on any endorsement attached to this policy. The bodily injury and/or property damage must be caused by an occurrence. The occurrence must take place in the coverage territory during the policy period. WHAT WE PAY FOR-COVERAGE L We pay, up to the limit of liability, all sums when the insured is legally obligated to pay damages because of bodily injury and/or property damage caused by an occurrence to which this coverage applies. We will not accept any obligations or liability to pay sums or to perform acts or services unless the coverage is specifically provided for in the Supplementary Payments. The bodily injury and/or property damage must result from the ownership, maintenance or use of the insured premises, and operations necessary or incidental to your business and conducted from the insured premises. We shall have the right and duty to defend the insured against any suit seeking covered damages, even if any of the allegations of the suit are groundless, false or fraudulent, provided the suit originates from bodily injury and/or property damage not otherwise excluded. We may make any investigation and settle any claim or suit that we decide is appropriate. We are not obligated to provide a defense after we have paid, either by judgment or settlement, an amount equal to our limit of liability. Coverage L applies to: 1. Bodily injury including covered damages claimed by any person or organization for care, loss of services or death resulting at any time from the bodily injury. 2. Property damage including loss of use of tangible property that is not physically injured and which shall be deemed to occur at the time of the occurrence that caused it. COVERAGE M-MEDICAL PAYMENTS WHAT WE PAY FOR-COVERAGE M We pay reasonable medical expenses for care or treatment of bodily injury to each injured person caused by an accident occurring within the coverage territory and within the policy term. Such injury must be incurred and reported to us within one year of the date of the accident, and it must arise from one of the following: 1. a condition on the premises you own or rent; 2. on ways next to premises you own or rent; or 3. operations with respect to which the named insured is afforded coverage for bodily injury liability under the policy.