This insurance does not apply to:
- Expected or Intended Injury. Injury expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property.
- Workers Compensation and Similar Laws. Any obligation of the insured under a workers compensation, disability benefits or unemployment compensation law or any similar law.
- Employer’s Liability. "Bodily injury" to:
- An "employee" of the insured arising out of and in the course of:
- Employment by the insured; or
- Performing duties related to the conduct of the insured’s business; or
- The spouse, child, parent, brother or sister of that "employee" as a consequence of
paragraph (1) above.
This exclusion applies:
- Whether the insured may be liable as an employer or in any other capacity; and
- To any obligation to share damages with or repay someone else who must pay damages because of the "injury".
- Liquor License Not in Effect. "Injury" arising out of any alcoholic beverage sold, served or furnished while any required license is suspended or after such license expires, is cancelled or revoked.
- Your Product. "Injury" arising out of "your product". This exclusion does not apply to "injury" for which the insured or the insured’s indemnitees may be held liable by reason of:
- Causing or contributing to the intoxication of any person;
- The furnishing of alcoholic beverages to a person under the legal drinking age or under
the influence of alcohol; or
- Any statute, ordinance or regulation relating to the sale, gift, distribution or use
of alcoholic beverages.
- Other Insurance. Any "injury" with respect to which other insurance is afforded, or would be afforded but for the exhaustion of the limits of insurance. This exclusion does not apply if the other insurance responds to liability for "injury" imposed on the insured
by reason of the selling, serving or furnishing of any alcoholic beverage.