27 HW-2136
©, Copyright, State Farm Mutual Automobile Insurance Company, 2017
This exclusion does not apply to the legitimate
use of legally prescribed drugs, under either
federal or state law, by a person following or-
ders of a licensed health care professional;
m. bodily injury or property damage arising out
of the actual, alleged, or threatened presence,
discharge, dispersal, seepage, migration, re-
lease, escape of, or exposure to contaminants
or pollutants at or from any source or location.
Contaminants and pollutants include but are not
limited to any solid, liquid, gaseous, or thermal irri-
tant, including smoke from agricultural smudging or
industrial operations, smog, soot, vapor, fumes, ac-
ids, alkalis, chemicals, pathogens, noxious sub-
stances, fuel oil, asbestos, or lead.
This exclusion does not apply to bodily injury
or property damage arising out of smoke or
fumes caused by fire or explosion.
We also do not cover:
(1) any loss, cost, or expense arising out of
any request, demand, order, or statutory
or regulatory requirement that any in-
sured or others test for, monitor, clean up,
remove, contain, treat, detoxify, neutralize,
remediate, dispose of, or in any way re-
spond to or assess the effects of contami-
nants or pollutants;
(2) any loss, cost, or expense arising out of
any claim or suit by or on behalf of a gov-
ernmental authority for damages because
of testing for, monitoring, cleaning up, re-
moving, containing, treating, detoxifying,
neutralizing, remediating, disposing of, or
in any way responding to or assessing the
effects of contaminants or pollutants; or
(3) contamination or pollution arising out of
actually or allegedly defective building ma-
terials, nuclear substances, or waste.
Waste includes materials to be recycled,
reconditioned, or reclaimed;
n. bodily injury or property damage arising out
of any actual, alleged, or threatened:
(1) sexual harassment, sexual molestation, or
sexual misconduct;
(2) physical or mental abuse; or
(3) corporal punishment;
by the insured;
o. bodily injury or property damage arising out
of the actual, alleged, or threatened inhalation
of, ingestion of, contact with, exposure to, ex-
istence of, or presence of any fungus at or
from any source or location.
We also do not cover any loss, cost, or ex-
pense arising out of any:
(1) request, demand, order, or statutory or
regulatory requirement that any insured
or others test for, monitor, clean up, re-
move, contain, treat, detoxify, neutralize,
remediate, dispose of, or in any way re-
spond to or assess the effects of fungus;
or
(2) claim or suit for damages because of test-
ing for, monitoring, cleaning up, removing,
containing, treating, detoxifying, neutraliz-
ing, remediating, disposing of, or in any
way responding to or assessing the ef-
fects of fungus; or
p. bodily injury or property damage
arising out
of the ownership, maintenance, or use of sys-
tems and equipment used to generate electrical
power exceeding 125 percent of the actual
electrical power usage by the residence prem-
ises in the 12-month period prior to the date of
the loss.
2. Coverage L does not apply to:
a. liability:
(1) for your share of any loss assessment
charged against all members of any type
of association of property owners; or
(2) imposed on or assumed by any insured
through any unwritten or written contract
or agreement. This exclusion does not
apply to liability for damages that the in-
sured would have in absence of the con-
tract or agreement;
b. property damage to property owned by any
insured at the time of the occurrence;