2. Exclusions
This insurance does not apply to:
a. Criminal Acts
Bodily injury” or “property damage” arising out of a criminal act by any insured or caused
by or during any criminal act of any insured. This exclusion does not apply to“bodily
injury”or “property damage” resulting from an “act of self-defense”.
b. Contractual Liability
“Bodily injury” or “property damage” for which any insured is obligated to pay “damages”
due to the assumption of liability in a contract or agreement.
c. Alcohol or Intoxicating Substances
“Bodily injury” or “property damage” arising out of the use of any firearm or other weapon
by any insured who was under the influence of any intoxicating substance(s), narcotic(s),
controlled substance(s) or alcoholic beverage(s).
d. Employer’s Liability
(1) “Bodily injury” to an “employee” of any insured arising out of and in the course of:
(a) Employment by any insured; or
(b) Performing duties related to the conduct of the insured’s business.
(2) “Property damage” to any property of an “employee” of the insured arising out of and in
the course of:
(a) Employment by the insured; or
(b) Performing duties related to the conduct of the insured’s business.
e. Non-Insureds
The use of a firearm or other weapon by anyone other than an insured except as
specifically stated in Section I – Coverages item 1.a.(2).
f. Professional Services
(1) “Bodily injury” or “property damage” due to the rendering of or failure to render any
professional service; or
(2) The negligent:
(a) Employment;
(b) Investigation;
(c) Supervision; or
(d) Retention;
of any professional for whom any insured is or ever was legally responsible.
This exclusion applies even if the claims against any insured allege negligence or other
wrong doing in the supervision, hiring, employment, training or monitoring of others by
the insured, if the “occurrence” or the incident arising from a “covered legal liability” which
caused the “bodily injury” or “property damage” involved any professional service.
g. War
“Bodily injury” or “property damage”, however caused, arising, directly or indirectly,
out of:
(1) War, including undeclared or civil war;
(2) Warlike action by a military force, including action in hindering or defending against
an actual or expected attack, by any government, sovereign or other authority using
military personnel or other agents; or
(3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental
authority in hindering or defending against any of these.
h. Occupational Use
“Bodily injury” or “property damage” arising out of any “insured’s” business or occupation in
providing security or safety services for compensation or a fee that involves the required use
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or carrying of a firearm or other weapon.
i. Damage To Property
“Property damage” to:
(1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or
any other person, organization or entity, for repair, replacement,
enhancement, restoration or maintenance of such property for any reason, including
prevention of injury to a person or damage to another’s property;
(2) Property loaned to you;
(3) Personal property in the care, custody or control of an insured;
j. Electronic Data
“Damages” arising out of the loss of, loss of use of, damage to, corruption of, inability to
access, or inability to manipulate electronic data.
As used in this exclusion, electronic data means information, facts or programs stored as or
on, created or used on, or transmitted to or from computer software, including systems and
applications software, hard or floppy disks, CD-ROMS, tapes, drives, cells, data processing
devices or any other media which are used with electronically controlled equipment.
k. Mysterious disappearance
“Damages” arising out of the unexplained or mysterious disappearance of a firearm or other
weapon.
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Originally Posted by foxtrot
