Common use of LIABILITY COVERAGES COVERAGE E – Personal Liability Clause in Contracts

LIABILITY COVERAGES COVERAGE E – Personal Liability. If a claim is made or a suit is brought against an insured for damages because of bodily injury or property damage caused by an occurrence to which this coverage applies, we will: 1. Pay up to our limit of liability for the damages for which the insured is legally liable. Damages include prejudgment interest awarded against the insured; and 2. Provide a defense at our expense by counsel of our choice, even if the suit is groundless, false or fraudulent. We may investigate and settle any claim or suit that we decide is appropriate. Our duty to settle or defend ends when the amount we pay for damages resulting from the occurrence equals our limit of liability. We will pay the necessary medical expenses that are incurred or medically ascertained within three years from the date of 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 employee's employment by an d. Is caused by an animal owned by or in the care of an insured.

LIABILITY COVERAGES COVERAGE E – Personal Liability. If a claim is made or a suit is brought against an insured for damages because of bodily injury or property damage caused by an occurrence to which this coverage applies, we will: 1. Pay pay up to our limit of liability for the damages for which the insured is legally liable. Damages include prejudgment interest awarded against the insured; and 2. Provide provide a defense at our expense by counsel of our choice, even if the suit is groundless, false or fraudulent. We may investigate and settle any claim or suit that we decide is appropriate. Our duty to settle or defend ends when the amount we pay for damages resulting from the occurrence equals our limit of liability. We will pay the necessary medical expenses that are incurred or medically ascertained within three years from the date of an accident causing bodily injury. Medical expenses means reasonable charges for medical, surgical, x•rayx-ray, dental, ambulance, hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to you or regular residents of your you household except residence employees. As to others, this coverage applies only: 1. To to a person on the insured location with the permission of an insured; or 2. To to a person off the insured location, if the bodily injury: a. Arises arises out of a condition on the insured location or the ways immediately adjoining; b. Is is caused by the activities of an insured; c. Is is caused by a residence employee in the course of the residence employee's ’s employment by anan insured; and d. Is is caused by an animal owned by or in the care of an insured.