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

3) any loss, cost, or expense arising out
of any claim or suit by or on behalf of
any governmental authority relating to
testing for, monitoring, cleaning up,
removing, containing, treating, detoxifying,
neutralizing, or in any way responding
to or assessing the effects
of:
a) wet rot; dry rot; a bacterium; a fungus,
including but not limited to
mildew and mold; or a protist, including
but not limited to algae and
slime mold; or
b) a chemical, matter, or a compound
produced or released by wet rot,
dry rot, a bacterium, a fungus, or a
protist, including but not limited to
toxins, spores, fragments, and metabolites
such as microbial volatile
organic compounds.
b. However, exclusion 3.a.1) above does not
apply to:
1) "bodily injury" that results from a fungus
cultivated or harvested for human
consumption or a food-borne or beverage-borne
bacterium that causes illness
commonly known as food poisoning
(Food-borne or beverageborne
bacteria that cause illness
commonly known as food poisoning
include but are not limited to Staphylococcus
aureus, Salmonella, Clostridium
perfringens, Campylobacter, Listeria
monocytogenes, Vibro parahaemolyticus,
Bacillus cereus, and
Escherichia coli.); or
2) "bodily injury" to a "farm employee" to
the extent that coverage for "bodily injury"
to "farm employees" is provided
by this policy.
4. (Applies only when Coverage L has been extended
to pay for damages for which an "insured"
is liable by law because of "personal injury".)
The following is added to the definition
of "personal injury":
"Personal injury" does not mean false arrest,
false imprisonment, wrongful eviction, wrongful
entry, wrongful detention, malicious prosecution,
misrepresentation, libel, slander, defamation
of character, or invasion of privacy that results
directly or indirectly from ingestion of, inhalation
of, physical contact with, or exposure
to:
1) wet rot; dry rot; a bacterium; a fungus, including
but not limited to mildew and mold;
or a protist, including but not limited to algae
and slime mold; or
2) a chemical, matter, or a compound produced
or released by wet rot, dry rot, a
bacterium, a fungus, or a protist, including
but not limited to toxins, spores, fragments,
and metabolites such as microbial
volatile organic compounds.
5. Limited Wet Rot, Dry Rot, Bacteria, Fungi,
and Protists Coverages
This policy is extended to provide the following
coverages. These coverages are subject to all
of the "terms" of the policy, except as
amended by this endorsement.
a. Limited Wet Rot, Dry Rot, Bacteria,
Fungi, and Protists Property Coverage -
- The coverage set forth under item 5.a.1)
below and the limitations set forth under
items 5.a.4) and 5.a.5) below do not apply
to wet rot, dry rot, a bacterium, a fungus,
or a protist that results from fire or lightning.
1) Subject to the Wet Rot, Dry Rot, Bacteria,
Fungi, and Protists Aggregate
Property Limit, "we" pay for:
a) direct physical loss to property
covered under Coverages A, B, or
C, if provided by this policy, or the
Incidental Property Coverage for
Tenant's Improvements, if provided
by this policy, caused by or
consisting of wet rot; dry rot; a
bacterium; a fungus, including mildew
and mold; or a protist when
the presence of the wet rot, dry
rot, bacterium, fungus, or protist is
the direct result of a peril insured
against that applies to the damaged
property and all reasonable
means were used to save and
preserve the property at and after
the time of loss; and
WN HO 65 02 11 Page 2 of 6
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