<p>COVERAGE A: LEGAL LIABILITY<br />
To pay on behalf of the ASSURED all sums which the ASSURED shall become legally obligated to pay as damages because of bodily injury, sickness or disease, including death any time resulting there from, sustained by any third party and as damages because of injury to or destruction of property, including the loss of use thereof.</p>

<p>LIMITS OF LIABILITY<br />
The Liability of the Company for all compensation under this Policy as a result of any one occurence shall not exceed the Limits of Liability Specified as follows:<br />
&nbsp;Combined Single Limit and &nbsp; &nbsp; &nbsp;PHp250,000.00<br />
&nbsp;Annual Aggregate &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(Bodily Injury/Property Damage)<br />
&nbsp;Sub-Limits:<br />
&nbsp; Bodily Injury &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; PHp 12,500.00 per person<br />
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;PHp125,000.00 per event<br />
&nbsp; Property Damage &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; PHp 12,500.00 per person<br />
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;PHp125,000.00 per event</p>

<p>Deductible:<br />
TPPD only: Php 2,500.00 each and every loss</p>

<p>COVERAGE B: DEFENSE, SETTLEMENT, and SUPPLEMENTARY PAYMENTS<br />
With respectto such Insurance is afforded by this Policy for liability this COMPANY shall:<br />
&nbsp;a. defend any suit against the ASSURED alleging such injury, sickness, disease or destruction and seeking damages on account thereof, evenif such suit is groundless, false or fraudelent, but the COMPANY may make such suit is groundless, false or fraudelent, but the COMPANY may make such investigation, negotiation and settlement of any claim or suit as it deems expedient;<br />
&nbsp;b. (1) pay all premiums on bonds to release attachments for an amount not in excess of the applicable limit of liability of this Policy all premiums on appeal bonds required in any such defend suit, but without any obligation to apply for or furnish any such bonds;<br />
&nbsp; &nbsp; (2) pay all expenses incurred bu this COMPANY, all costs, taxes against the Insured in any such suit and all interest accruing after entry of judgment until this COMPANY has paid or tendered or deposited in court such part of such judgment as does not exceed the limit of this Company&#39;s liability thereon;<br />
&nbsp; &nbsp; (3) pay expenses incurred by the ASSURED, in the event of an accident causing bodily injury, sickness or disease, for such immediate medical and surgical relief to others as shall be imperative at the time of accident;<br />
&nbsp; &nbsp; (4) reimburse the ASSURED for all reasonable expenses, other than loss of earnings, inccured at this COMPANY&#39;s request<br />
The amounts so inccured, except settlements of claims and suits are payable by this COMPANY in addition to the applicable limit of liability in this Policy.</p>

<p>EXCLUSIONs<br />
This Policy does not apply to:<br />
1. Any business pursuits of an ASSURED, other than activities therin which are ordinarily incident to non-business pursuits or to the rendering of any profession service or the omission therof, except with respect to voluntarily civilian defense activities.<br />
2. The ownership, maintenance, operation, use, loading or unloadingof (1) automobiles while away from the premises or the ways immediately adjoining except under Coverage A with respect to operations by independent contractors for non-business purposes of the ASSURED, (2) watercraft, including sailboats, with in-board motors, watercraft, including sailboats with or without auxiliary power, 21 feet or more in overall length owned by or rented to the Insured, while away from the premises , or (3) applies only while such employee is engaged in the operation or maintenance of aircraft;<br />
3. Injury, sickness, disease, death or destruction caused intentionally by or at the direction of the ASSURED.<br />
4. Bodily injury to or sickness, disease or death of any employee of the ASSURED arising out of and in the course of his employment by the ASSURED, if benefits therefore are in whole or in part either payable or required to be provided under any workme&#39;s compensation benefit for such employee.<br />
5. Liability on the Insured under any contract or agreement (unless such liability would have attached in the absenceof such contract or agreement) ather than liability of the Insured undera written contract relating to the said premises and to which the Insured is a party as OWner or Tenant of the said premises;<br />
6. Under Coverage A, injury to or destrcution of property used by, rented to or in the care, custody control of the ASSURED or property as to which the ASSURED for any purpose is exercising physical control, except that this exclusion shall not apply too or liability which would be imposed upon the ASSURED, for injury to or destruction of residential premises or house furnishing from (1) fire, (2) explosion, or (3) smoke;r destruction due to war whether<br />
7. Injury, sickness, disease, death or destruction due to war whether declared or not, civil war insurrection, rebellion or revolution, with respect to liability assumed by the ASSURED under any contract or agreement.</p>

<p>CONDITIONS<br />
Limits of Liability: The limit of liability stated in the Schedule for Coverage A is the limit of the COMPANY&#39;s liability for all damages, including damages for care and loss of services, as the result of one occurence.<br />
Severability of Interest: Coverage A. The term &quot;the ASSURED&quot; is used severally and not collectively, but the inclusion herein of more than one ASSURED shall not operate to increase the limits of this COMPANY&#39;s liability<br />
Policy Period: Territory: This section applies only to occurrences during the Policy period within the Territory of the Republic of the Philippines.<br />
Notice of Occurrence: When an occurrence takes place, written notice shall be given by or on behalf of the ASSURED to this COMPANY or any of its authorized agents as soons as practicable. Such notice shall contain particulars sufficient to identify the ASSURED and also reasonably obtainable information respecting the time, place and cirscumtances of the occurrence, the names and addresses of the injured and of available witness.<br />
Notice of Claim Suit - Coverage A: If a claim is made or suit is brought agians the ASSURED, the ASSURED shall immediately forward to this COMPANY every demand, notice, summons or other process received by him or by his representatives.<br />
Assistance and Cooperation of the Insured - Coverage A: The ASSURED shall cooperate with this COMPANY and, upon this COMPANy&#39;s request, shall attend hearings and trials and shall assistsin effecting settlements securing and giving evidence, obtaining the attendance of witnesses and in the conduct of suits. the ASSURED shall not, except at his own cost, voluntarily make any payment, assume any obligationor incur any expense other than for such immediate medical and surgical relief to others as shall be imperative at the time of the incident.<br />
Bankruptcy or insolvency of the ASSURED or of the ASSURED&#39;s estate shall not relieve this COMPANY of any of its obligation hereunder.<br />
Other Insurance - Coverage A: If the ASSURED has other insurance against a loss covered by this coverage, this COMPANY shall not be liable under this coverage for a greater proportion of such loss than the applicable limit of liability of all valid and collectible insurance against such loss.</p>
