Limited Coverage For Loss By Wet Rot, Dry Rot, Bacteria, Fungi, or ...

AAIS
ML 4902 08 02
Page 6 of 7
The Coverage L Wet Rot, Dry Rot,
Bacteria, Fungi, and Protists Limit is
$50,000 unless a higher Coverage L
Wet Rot, Dry Rot, Bacteria, Fungi,
and Protists Limit is shown on the
"declarations". Subject to the Wet
Rot, Dry Rot, Bacteria, Fungi, and
Protists Aggregate Liability Limit, this
"limit" is the most "we" pay per
"occurrence" under Coverage L for
Limited Wet Rot, Dry Rot, Bacteria,
Fungi, and Protists Liability
Coverage.
3) With respect to Limited Wet Rot, Dry
Rot, Bacteria, Fungi, and Protists
Liability Coverage, the following is
added to the first paragraph under
Incidental Liability Coverages:
Except for Claims and Defense Cost
and First Aid Expense, any coverage
provided under these Incidental
Liability Coverages for "bodily injury",
"property damage", damages, or
legal fees arising from ingestion of,
inhalation of, physical contact with,
or exposure to:
a) wet rot;
b) dry rot;
c) a bacterium;
d) a fungus, including but not
limited to mildew and mold;
e) a protist; or
f) a chemical, matter, or a
compound produced or released
by wet rot, dry rot, a bacterium, a
fungus, or a protist;
is subject to the Coverage L Wet
Rot, Dry Rot, Bacteria, Fungi, and
Protists Limit and the Wet Rot, Dry
Rot, Bacteria, Fungi, and Protists
Aggregate Liability Limit.
4) With respect to Limited Wet Rot, Dry
Rot, Bacteria, Fungi, and Protists
Liability Coverage, under How Much
We Pay For Loss Or Claim,
Coverage L -- Personal Liability is
deleted and replaced by the
following:
Coverage L -- Personal Liability --
Subject to the Wet Rot, Dry Rot,
Bacteria, Fungi, and Protists
Aggregate Liability Limit, the
Coverage L Wet Rot, Dry Rot,
Bacteria, Fungi, and Protists Limit is
the most "we" pay for loss for each
"occurrence" covered under Limited
Wet Rot, Dry Rot, Bacteria, Fungi,
and Protists Liability Coverage. This
applies regardless of the number of:
a) persons insured under this
policy;
b) parties who sustain injury or
damage; or
c) claims made or suits brought.
5) With respect to Limited Wet Rot, Dry
Rot, Bacteria, Fungi, and Protists
Liability Coverage, under How Much
We Pay For Loss Or Claim,
Coverage M -- Medical Payments To
Others is deleted and replaced by
the following:
Subject to the Wet Rot, Dry Rot,
Bacteria, Fungi, and Protists
Aggregate Liability Limit, the "limit"
shown on the "declarations" per
person for Coverage M is the most
"we" pay for all medical expenses
payable for "bodily injury" to one
person as the result of one accident
covered under Limited Wet Rot, Dry
Rot, Bacteria, Fungi, and Protists
Liability Coverage.
Any per accident "limit" shown on the
"declarations" for Coverage M does
not apply with respect to Limited Wet
Rot, Dry Rot, Bacteria, Fungi, and
Protists Liability Coverage.
The payment of a claim under
Coverage M does not mean "we"
admit "we" are liable under Coverage
L.