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SB146932G
<br />(Ed. 10-19)
<br />b. A partnership or joint venture, then its partners, members and their spouses are insureds;
<br />c. A limited liability company, then its members and managers are insureds;
<br />d. An organization other than a partnership, joint venture or limited liability company, then its executive
<br />officers, directors and shareholders are insureds; or
<br />e. Any type of entity, then its employees are insureds;
<br />but only with respect to locations and operations covered by the additional insured endorsement's provisions,
<br />and only with respect to their respective roles within their organizations. Furthermore, employees of
<br />additional insureds are not insureds with respect to liability arising out of:
<br />(1) "Bodily injury" or "personal and advertising injury" to any fellow employee or to any natural person
<br />listed in paragraphs a. through d. above;
<br />(2) "Property damage" to property owned, occupied or used by their employer or by any fellow employee; or
<br />(3) Providing or failing to provide professional health care services.
<br />II. LIABILITY EXTENSION COVERAGES
<br />It is understood and agreed that this endorsement amends the Businessowners Liability Coverage Form. If any
<br />other endorsement attached to this policy amends any provision also amended by this endorsement, then that other
<br />endorsement controls with respect to such provision, and the changes made by this endorsement to such provision do
<br />not apply.
<br />A. Bodily injury —Expanded Definition
<br />Under Liability and Medical Expenses Definitions, the definition of "Bodily injury" is deleted and replaced by
<br />the following:
<br />"Bodily injury" means physical injury, sickness or disease sustained by a person, including death, humiliation,
<br />shock, mental anguish or mental injury by that person at any time which results as a consequence of the physical
<br />injury, sickness or disease.
<br />B. Broad Knowledge of Occurrence
<br />Under Businessowners Liability Conditions, the Condition entitled Duties In The Event of Occurrence, Offense,
<br />Claim or Suit is amended to add the following:
<br />Paragraphs a. and b. above apply to you or to any additional insured only when such "occurrence," offense,
<br />claim or "suit" is known to:
<br />(1) You or any additional insured that is an individual;
<br />(2) Any partner, if you or an additional insured is a partnership;
<br />(3) Any manager, if you or an additional insured is a limited liability company;
<br />(4) Any "executive officer" or insurance manager, if you or an additional insured is a corporation;
<br />(5) Any trustee, if you or an additional insured is a trust; or
<br />(6) Any elected or appointed official, if you or an additional insured is a political subdivision or public entity.
<br />This paragraph applies separately to you and any additional insured.
<br />C. Estates, Legal Representatives and Spouses
<br />The estates, heirs, legal representatives and spouses of any natural person insured shall also be insured under
<br />this policy; provided, however, coverage is afforded to such estates, heirs, legal representatives and spouses only
<br />for claims arising solely out of their capacity as such and, in the case of a spouse, where such claim seeks
<br />damages from marital common property, jointly held property, or property transferred from such natural person
<br />insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal
<br />representative or spouse outside the scope of such person's capacity as such, provided however that the spouse
<br />of a natural person Named Insured and the spouses of members or partners of joint venture or partnership
<br />Named Insureds are insureds with respect to such spouses' acts, errors or omissions in the conduct of the Named
<br />Insured's business.
<br />SB146932G (10-19)
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