Sexual abuse or assault exclusion

Liability coverage and defense coverage afforded by this policy shall not apply to any person(s) who directly causes or perpetrates sexual abuse or assault toward any person. This exclusion applies to any claim alleging liability from, or involving, the aforementioned actions. This exclusion does not apply to those insureds who do not directly cause, or perpetrate the excluded action.

Hazing exclusion

Liability coverage and defense coverage afforded by this policy shall not apply to any person(s) who directly causes or perpetrates hazing toward any person. This exclusion applies to any claim alleging liability from, or involving, the aforementioned actions. This exclusion does not apply to those insured who do not directly cause, or perpetrate, the excluded action.

Assault and battery exclusion

Liability coverage and defense coverage afforded by this policy shall not apply to any person(s) who directly inflicts assault or battery upon any other person. This exclusion applies to any claim alleging liability from, or involving, the aforementioned actions. This exclusion does not apply to those insured who do not directly cause, or perpetrate, the excluded action.

Alcohol and drug exclusion

Liability coverage and defense coverage afforded by this policy does not apply to any member(s) or new member(s) who:

• Purchases alcohol with chapter funds;
• Sells alcohol; or
• Possesses, sells, or uses illegal drugs.

This exclusion applies to any claim alleging liability from, or involving, the aforementioned actions. This exclusion does not apply to those insureds who do not directly cause, or perpetrate the excluded action.

Communicable disease exclusion

Liability coverage and defense coverage afforded by this policy shall not apply to any bodily injury, property damage or personal and advertising injury arising out of the actual or alleged transmission of a communicable disease.