A438NV (02-13) Page 2 of 10
Policy Number:
Occurrence means an accident or event, including continuous or repeated exposure to conditions, which results in
bodily injury or property damage neither expected nor intended from the standpoint of the insured and with respect to
personal injury, the commission of an offense, or a series of similar related offenses that arise out of the ownership,
maintenance, or use of an owned auto or non-owned auto while at an insured location.
Pollutant means all pollutants and contaminants, including, but not limited to, any:
(a) Solid, liquid, gaseous, bacteria, mold, organic or thermal irritant or contaminant;
(b) Smoke, vapor, soot, or fumes;
(c) Acids, alkalis, chemicals, or metals, including, but not limited to, lead or any material containing lead;
(d) Poisons;
(e) Sewage or waste, including materials to be recycled, reconditioned or reclaimed;
(f) Substances, including, but not limited to, asbestos or any material containing asbestos;
(g) Odors;
(h) Compounds, even if now or previously recognized as having a safe or useful purpose; or
(i) Residential, recreational, work-site, and commercial pollution or contamination.
Travel trailer means a non-motorized trailer, including its original permanently attached equipment, which is designed to
be towed on public roads by a land motor vehicle, and that;
(a) Has built in sleeping facilities; and
(b) Is designed for recreational and camping use and is not used as a permanent stationary residence.
SECTION I- VACATION LIABILITY COVERAGE-LOSSES WE WILL PAY
We will defend or pay damages under this endorsement, other than punitive or exemplary damages, which an insured
becomes legally obligated to pay because of bodily injury or property damage resulting from an occurrence at an
insured location.
ADDITIONAL PAYMENTS WE WILL MAKE UNDER THE LIABILITY COVERAGES
The payment described below is in addition to those listed in the GEICO automobile insurance policy.
Unless paid pursuant to another coverage provided in this policy, we will pay, in addition to our limits of liability, up to
$1,000 for damage to the property of others occurring at an insured location.
EXCLUSIONS
All exclusions in Section I-Liability Coverages of the GEICO automobile insurance policy apply to Vacation Liability
Coverage.
We will not pay damages or defend under this endorsement if any one of the following exclusions apply.
Section I does not apply to:
A. Any bodily injury to you or a relative.
B. Any bodily injury or property damage arising out of the ownership, maintenance, use, loading or unloading of:
(a) An aircraft;
(b) A motor vehicle; or
(c) A watercraft owned by or rented to an insured.
C. Any bodily injury or property damage arising out of rendering or failing to render professional services.
D. Any bodily injury or property damage arising out of, or in connection with, a business engaged in by an insured on
the insured location.
E. Damage to any property owned by, rented to, being transported by, used by, or in the charge of an insured.
However, this exclusion does not apply to a rented residence or a rented garage damaged by an owned auto or
non-owned auto.
F. Bodily injury or property damage while the owned auto is rented or leased to others.
G. Bodily injury or property damage that arises out of the transmission of a communicable disease, caused wholly or in
part by the actions of an insured.
H. Bodily injury or property damage that arises out of the actual, alleged, or threatened discharge, dispersal, seepage,
migration, release, or escape of pollutants.
I. Bodily injury or property damage arising out of any loss, cost, or expense relating to any governmental directive or
request that you or a relative test for, monitor, clean up, remove, contain, treat, detoxify, or neutralize pollutants.
J. Bodily injury or property damage arising out of sexual molestation, corporal punishment, or physical or mental
abuse.
K. Any fines or penalties.