|
SECTION II -WHO IS AN INSURED
<br />I. If you are designated in the Declarations as:
<br />a. An individual, you and your spouse are
<br />insureds, but only with respect to the conduct
<br />of a business of which you are the sole
<br />owner.
<br />b. A partnership or joint venture, you are an
<br />insured. Your members, your partners, and
<br />their spouses are also insureds, but only with
<br />respect to the conduct of your business.
<br />c. A limited liability company, you are an
<br />insured. Your members are also insureds, but
<br />only with respect to the conduct of your
<br />business. Your managers are insureds, but
<br />only with respect to their duties as your
<br />managers.
<br />d. An organization other than a partnership, joint
<br />venture or limited liability company, you are
<br />an insured. Your "executive officers" and
<br />directors are insureds, but only with respect to
<br />their duties as your officers or directors. Your
<br />stockholders are also insureds, but only with
<br />respect to their liability as stockholders.
<br />e. A trust, you are an insured. Your trustees are
<br />also insureds, but only with respect to their
<br />duties as trustees.
<br />2. Each of the following is also an insured:
<br />a. Employees And Volunteer Workers
<br />Your "volunteer workers" only while
<br />performing duties related to the conduct of
<br />your business, or your "employees", other
<br />than either your "executive officers" (if you are
<br />an organization other than a partnership, joint
<br />venture or limited liability company) or your
<br />managers (if you are a limited liability
<br />company), but only for acts within the scope
<br />of their employment by you or while
<br />performing duties related to the conduct of
<br />your business.
<br />However, none of these "employees" or
<br />"volunteer workers" are insureds for:
<br />(1) "Bodily injury" or "personal and advertising
<br />injury":
<br />(a) To you, to your partners or members (if
<br />you are a partnership or joint venture),
<br />to your members (if you are a limited
<br />liability company), to a co -"employee"
<br />while in the course of his or her
<br />employment or performing duties
<br />related to the conduct of your
<br />business, or to your other "volunteer
<br />workers" while performing duties
<br />related to the conduct of your
<br />business;
<br />(b) To the spouse, child, parent, brother or
<br />sister of that co -"employee" or that
<br />"volunteer worker" as a consequence
<br />of Paragraph (1)(a) above;
<br />(c) For which there is any obligation to
<br />share damages with or repay someone
<br />else who must pay damages because
<br />of the injury described in Paragraphs
<br />(1)(a) or (1)(b) above; or
<br />(d) Arising out of his or her providing or
<br />failing to provide professional health
<br />care services.
<br />If you are not in the business of providing
<br />professional health care services:
<br />(a) Subparagraphs (1)(a), (1)(b) and (1)(c)
<br />above do not apply to any "employee"
<br />or "volunteer worker' providing first aid
<br />services; and
<br />(b) Subparagraph (1)(d) above does not
<br />apply to any nurse, emergency medical
<br />technician or paramedic employed by
<br />you to provide such services.
<br />(2) "Property damage" to property:
<br />(a) Owned, occupied or used by,
<br />(b) Rented to, in the care, custody or
<br />control of, or over which physical
<br />control is being exercised for any
<br />purpose by
<br />you, any of your "employees", "volunteer
<br />workers", any partner or member (if you
<br />are a partnership or joint venture), or any
<br />member (if you are a limited liability
<br />company).
<br />b. Real Estate Manager
<br />Any person (other than your "employee" or
<br />"volunteer worker"), or any organization while
<br />acting as your real estate manager.
<br />c. Temporary Custodians Of Your Property
<br />Any person or organization having proper
<br />temporary custody of your property if you die,
<br />but only:
<br />(1) With respect to liability arising out of the
<br />maintenance or use of that property; and
<br />(2) Until your legal representative has been
<br />appointed.
<br />d. Legal Representative If You Die
<br />Your legal representative if you die, but only
<br />with respect to duties as such. That
<br />representative will have all your rights and
<br />duties under this Coverage Part.
<br />e. Unnamed Subsidiary
<br />Any subsidiary, and subsidiary thereof, of
<br />yours which is a legally inrnrnnratar1 antity of
<br />which you own a fins
<br />than 50% of the voting ' &,PPR, 8.,..
<br />date of the Coverage F ,��&�
<br />Risli K...ge tCl'ei-l'Aadf
<br />HG 00 01 0916 rage 1 1 yr c I
<br />
|