Bodily injury means physical bodily harm, including sickness or disease that results from it, and required care, loss of services and resulting death.

A covered person includes:

* Family member means your spouse or domestic partner or other relative who lives with you, or any other person under 25 in your care or your relative's care, who lives with you or a student under 25 in your care temporarily away at school who is a resident in your household.

Damages means the sum that is paid or is payable to satisfy a claim settled by Chubb or resolved by judicial procedure or by a compromise agreed to in writing.

Follow Form means that Chubb covers damages to the extent they are both covered under the required primary underlying insurance and not excluded under the Plan. The amount of coverage, defense coverages, cancellation and "other insurance" provisions of the Plan supersede and replace the similar provisions contained in such other policies. When the Group Personal Excess Liability Plan is called upon to pay losses in excess of required primary underlying policies exhausted by payment of claims, Chubb will not provide broader coverage than provided by such policies. When no primary underlying coverage exists, the extent of coverage provided on a follow form basis will be determined as if the required primary underlying insurance had been purchased from Chubb.

An occurrence is an accident which begins within the policy period resulting in bodily injury, mental anguish, mental injury, or property damage or an offense first committed within the policy period resulting in false arrest, false imprisonment, or wrongful detention; wrongful entry into, wrongful eviction of a person from or other violation of a person's right of private occupancy of a residence premises or room that such person occupies, if committed by or on behalf of its landlord, lessor or owner; malicious prosecution; or libel, slander, defamation of character, or invasion of privacy to which this insurance applies. Continuous or repeated exposure to substantially the same general conditions unless excluded is considered to be one occurrence.

A personal injury includes the following injuries, and resulting death:

Property damage means physical injury to or destruction of tangible property and the resulting loss of its use. Tangible property includes the cost of recreating or replacing stocks, bonds, deeds, mortgages, bank deposits, and similar instruments, but does not include the value represented by such instruments.

A registered vehicle is any motorized land vehicle not described in "unregistered vehicle."

The sponsoring organization is the entity, corporation, partnership, or sole proprietorship sponsoring and defining the criteria for qualifications as an insured.

Underlying insurance includes all liability coverage that applies to the covered damages, except for other insurance purchased in excess of the Group Personal Excess Liability Plan.

An unregistered vehicle includes the following: