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2. Indirect Loss We will not pay for loss that is an indirect result of any act or occurrence covered by this insurance including, but not limited to, loss resulting from: a. Your inability to realize income that you would have realized had there been no loss of, or loss from damage to, Covered Property. b. Payment of damages of any type for which you are legally liable. But, we will pay compensatory damages arising directly from a loss covered under this insurance. c. Payment of costs, fees or other expenses you incur in establishing either the existence or the amount of loss under this insurance. 3. Legal Expenses We will not pay for expenses related to any legal action. 4. Nuclear Hazard We will not pay for loss resulting from nuclear reaction, nuclear radiation or radioactive contamination, or any related act or incident. 5. War and Similar Actions We will not pay for loss resulting from war, whether or not declared, warlike action, insurrection, rebellion or revolution, or any related act or incident. C. CRIME COMMON DEFINTIONS The following is added to Definitions "Employee" means: 1. Any natural person: a. While in your service (and for 60 days after termination of service); and b. Whom you compensate directly by salary, wages or commissions; and c. Whom you have the right to direct and control while performing services for you; 2. Any natural person employed by an employment contractor while that person is subject to your direction and control and performing services for you excluding, however, any such person while having care and custody of property outside the premises; Form SS 04 80 03 00 3. Any natural person who is your partner or member of a limited liability corporation. 4. Any natural person, whether or not compensated, while performing services for you as the chairman or a member of any committee; 5. Any natural person who is a non -compensated officer; 6. Any natural person who is a director or trustee while acting as a member of any of your elected or appointed committees or while acting within the scope of the usual duties of an "employee"; 7. Any natural person who is a non-compens ated volunteer, other than one who is a fund solicitor, while performing services for you that are usual to the duties of an "employee"; 8. Any natural person who is a former employee, director, partner, member, representative or trustee retained as a consultant while performing services for you; 9. Any natural person who is a student intern who is pursuing studies or acting within the scope of the usual duties of an "employee" ; 10. Any natural person, who is a student enrolled in your facility, while handling or has possession of property or funds in connection with sanctioned student activities; 11. The spouses of and children over 18 years old who reside with any "employee" who is a building manager, superintendent or janitor. Each family is deemed to be, collectively, one "employee" for the purposes of this insurance, except that any Termination Condition applies individually to the spouse and children. "Employee" does not mean: (1) An agent, broker, factor, commission merchant, consignee, independent contractor or representative of the same general character; or (2) Any manager, director, partner, member or trustee, except while acting within the scope of the usual duties of an "employee" . ew cF RAMwagementDMsian Jy/ & REVIEWED & APPROVED BY.- v --� Risk Management Analyst