Liability claims not covered (
excluded) by HPI: Intentional Acts, Loss of Earnings, Personal and Advertising Injury, Fungi or Bacteria, Chinese Drywall, Communicable Diseases, Acts of Terrorism, Product
Liability, Pollution and Asbestos, Lead or Silica,
Liquor Liability, Assault and Battery, Electronic Data, and certain (unspecified) personal property may not be covered.