following but only with respect to COVERAGE M –MOLESTATION OR ABUSE
INSURANCE:
1. If you are designated in the Declarations as:
a. An individual, you and your spouse are insureds, but only with respect to the conduct
of the business or program, service, event or other activity of the Named Insured.
b. A partnership or joint venture, you are an insured. Your members, your partner, and
their spouses are also insureds, but only with respect to the conduct of the business or program, service, event or other activity of the Named Insured.
c. A limited liability company, you are an insured. Your members are also insureds, but
only with respect to the conduct of the business or program, service, event or other activity of the Named Insured. Your managers are insureds, but only with respect to their duties as your managers.
d. An organization other than a partnership, joint venture or limited liability company,
you are an insured. Your “executive officers” and directors are insureds, but only with respect to their duties as your officers or directors.
e. A trust, you are an insured. Your trustees are also insureds, but only with respect to
their duties as trustees.
2. Your “employees” other than either your “executive officers” (if you are an organization
other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company) are also insureds, but only for acts within the scope of their employment by you or while performing duties related to the conduct of the business or program, service, event or other activity of the Named Insured or “volunteer workers” only while performing duties related to the conduct of the business or program, service, event or other activity of the Named Insured.
SECTION III – LIMITS OF INSURANCE is amended with the following addition: 8. Regardless of the number of insureds and/or Limits of Liability under other coverage
parts, coverage forms or endorsements under this policy, our liability is limited as follows:
a. The limit of insurance stated in the LIMITS OF INSURANCE for COVERAGE M
as applicable to “each claim” is the limit of our liability for the sum of:
(1) All damages arising out of or resulting from any incident or a series of incidents
of “molestation or abuse” by any one person. Multiple acts of “molestation or abuse” of one or more persons committed by any one person or multiple acts of “molestation or abuse” of one or more persons committed by more than one person acting in concert, shall be deemed to be one “molestation or abuse”; and
L 703 SSO (12-09) Page 4 of 4
b. The limit of insurance stated in the LIMITS OF INSURANCE for COVERAGE M
as “aggregate” is the total limit of our liability under this coverage for all damages and “defense expense” under this endorsement.
The conditions 1. though 9. in SECTION IV – COMMERCIAL GENERAL LIABILITY
CONDITIONS apply to COVERAGE M as well.
For the purposes of this endorsement, the following definitions shall apply:
“Molestation or Abuse” means sexual or physical injury or abuse of any person, including assault and/or battery and/or improper touching.
“Defense Expense” means payments allocated by us to a specific claim or “suit” for its investigation, settlement or defense, including attorneys’ fees and other litigation expenses, the cost of bonds to appeal judgment or award in any “suit” we defend and costs taxed against the insured in the “suit”. The cost of bonds to release attachments, but only for the bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or “suit”, including actual loss of earnings up to $250 a day because of time off from work.
SECTION V – DEFINITIONS, 18. “Suit”, is replaced by the following, but only with respect
to COVERAGE M-MOLESTATION OR ABUSE INSURANCE:
“Suit” means a civil proceeding in which damages to which this insurance applies are alleged. “Suit” includes:
a. An arbitration proceeding in which such damages are claimed and to which the insured
must submit or does submit with our consent; or
b. Any other alternative dispute resolution proceeding in which such damages are claimed
and to which the insured submits with our consent.
c. Reasonable legal services charged by a lawyer we agree to and other expenses you may
incur in the investigation and defense of “disciplinary proceeding(s)” brought against you arising out of a “professional incident” that is otherwise covered by this policy. This coverage is limited to $100,000 per “professional incident”.
All other terms and conditions of this policy remain unchanged. This endorsement is a part of your policy and takes effect on the effective date of your policy unless another effective date is shown.
L 728 SSO (07-09) Page 1 of 1
UNITED STATES LIABILITY INSURANCE GROUP
WAYNE, PENNSYLVANIA
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
SOCIAL SERVICE ORGANIZATION PROFESSIONAL LIABILITY COVERAGE FORM