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SSI GL 01 01 0123 Page 14 of 29
<br />military force, including in hindering or defending
<br />against any of these.
<br />
<br />As used herein, “terrorism” means activities against
<br />persons, organizations or property of any nature:
<br />(1) That involves the following or preparation for the
<br />following:
<br />(i) Use or threat of force or violence; or
<br />(ii) commission or threat of a dangerous act; or
<br />(iii) commission or threat of an act that interferes
<br />with or disrupts an electronic,
<br /> communication, information, or mechanical
<br />system; and
<br />(2) When:
<br />(i) the effect is to intimidate or coerce a
<br />government or a civilian population or any
<br />segment thereof, or to disrupt any segment of
<br />the economy; and/or
<br />(ii) it appears that the intent is to intimidate or
<br />coerce a government or a civilian population,
<br />or to further a philosophical, political,
<br />ideological, religious, social or
<br /> economic objective or to express (or express
<br />opposition to) a philosophical, political,
<br />ideological, religious, social or economic
<br />objective.
<br />
<br />h. Employment Practices
<br />“Bodily injury”, “property damage” or “personal and
<br />advertising injury” to a person(s) arising out of,
<br />resulting from, caused by, contributed to, or in any
<br />way involving, in whole or in part, to the insured’s:
<br />(1) refusal to employ that person;
<br />(2) termination of that person’s employment;
<br />(3) employment-related practices, policies,
<br />procedures, acts or omissions, including, but not
<br />limited to demotion, promotion, evaluation,
<br />reassignment, discipline, defamation, libel,
<br />slander, harassment, humiliation, and/or
<br />discrimination of any kind; and/or
<br />(4) any derivative claim asserted by a spouse, parent,
<br />sibling, or child of the person claiming injury or
<br />damages related to any employment-related acts,
<br />omissions, practices, policies, or procedures,
<br />including those listed above in this exclusion.
<br />
<br />i. Cross Suits
<br />Any “claim” or “suit” for “bodily injury”, “property
<br />damage” or “personal and advertising injury” initiated,
<br />alleged, or caused to be brought about by any insured
<br />against any other insured under this policy.
<br />
<br />j. Material Misrepresentation
<br />Any “claim,” “occurrence” or “suit” that would not
<br />otherwise be covered but for a misrepresentation in the
<br />application for insurance by the insured. This
<br />exclusion shall apply if the concealed, undisclosed, or
<br />misrepresented information would have had an effect
<br />on the terms, conditions, exclusions, endorsements,
<br />premium, overall risk, or issuance of the policy, had it
<br />been known to the company at the time the insured
<br />initially applied for this policy.
<br />
<br />k. Fraudulent, Intentional, or Criminal Acts
<br />“Bodily injury”, “property damage” or “personal and
<br />advertising injury” arising out of, resulting from,
<br />caused by, contributed to, or in any way involving, in
<br />whole or in part, to any of the following:
<br />(1) any dishonest, deliberately fraudulent, malicious,
<br />willful, intentional, or knowingly wrongful act or
<br />omission committed by or at the direction of any
<br />insured, whether or not the insured or anyone
<br />acting at the insured’s direction expected or
<br />intended any resulting “bodily injury”, “property
<br />damage”, or “personal and advertising injury”;
<br />(2) a criminal act committed by or at the direction of
<br />any insured; or
<br />(3) a fraudulent, intentional, or criminal act
<br />committed by any “employee” or “temporary
<br />worker” of any insured, or any general
<br />contractor(s), subcontractor(s), independent
<br />contractor(s), or their “employees” or “temporary
<br />workers”, who are engaged in a cooperated effort
<br />with any insured.
<br />
<br />l. Unlicensed Contractors
<br /> “Bodily injury”, “property damage” or “personal and
<br />advertising injury arising out of, alleged to be, or in
<br />any way involving any act or omission of any insured,
<br />or any contractor or subcontractor (including material
<br />suppliers) working for or on behalf of any insured,
<br />who is required to be licensed by any local, state or
<br />federal licensing authority but is not in compliance
<br />with any such licensing requirement at the time of the
<br />act or omission (the “occurrence”) that caused or
<br />resulted in the alleged damage or injury.
<br />
<br />m. Non-Compliance with Safety Regulations “Bodily
<br />injury”, “property damage” or “personal and
<br />advertising injury arising out of, alleged to be, or in
<br />any way involving any work of any insured, or any
<br />contractor or subcontractor (including material
<br />suppliers) working for or on behalf of any insured, that
<br />does not meet federal, state, or local laws, rules,
<br />regulations, or standards, including but not limited to
<br />standards promulgated by the Occupational Safety and
<br />Health Administration (OSHA), and any and all
<br />similar laws, rules regulations and standards. For the
<br />purpose of this exclusion, if the insured is cited and
<br />fined by OSHA or any similar regulatory agency for a
<br />violation of any federal, state, or local laws, rules,
<br />regulations, or safety standards related to the
<br />“occurrence” giving rise to the purported damage or
<br />injury, the insured shall be deemed to have not met the
<br />applicable standard as set forth above.
<br />
<br />
<br />
<br />Docusign Envelope ID: C32ED128-E8C0-4517-B42B-471D21968944
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