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UMBRELLA 21. "Temporary worker" means a person who is (1) Warranties or representations made at any time with respect to the fitness, furnished to you to substitute for a permanent quality, durability, performance or use "employee" on leave or to meet seasonal or of "your work"; and short-term workload conditions. (2) The providing of or failure to provide 22. "Title" means the name of a literary or artistic warnings or instructions. work. C.With respect to Coverage C: 23. "Unsolicited communication" means any communication, in any form, that the recipient 1. "Crisis management advisor" means any of such communication did not specifically public relations firm or crisis management request to receive. firm approved by us that is hired by you to perform "crisis management services" in 24. "Volunteer worker" means a person who is not connection with a "crisis management event". your "employee", and who donates his or her 2."Crisis management event" means an "event" work and acts at the direction of and within the or "occurrence" that your "executive officer" scope of duties determined by you, and is not reasonably determines has resulted, or may paid a fee, salary or other compensation by you result, in: or anyone else for their work performed by you. a. Damages covered by this Coverage A or 25. "Your product": Coverage B that are in excess of the total a.Means: applicable limits of the "underlying (1) Any goods or products, other than real insurance" or "self-insured retention"; and property, manufactured, sold, handled, b. Significant adverse regional or national distributed or disposed of by: media coverage. (a) You; 3. "Crisis management service expenses" (b) Others trading under your name; or means amounts incurred by you, after a "crisis management event" first commences (c) A person or organization whose and before such event ends: business or assets you have a. For the reasonable and necessary: acquired; and (1) Fees and expenses of a "crisis (2) Containers (other than vehicles), management advisor" in the materials, parts or equipment furnished performance for you of "crisis in connection with such goods or management services" solely for a products. "crisis management event"; and b. Includes: (2) Costs for printing, advertising, mailing of materials or travel by your (1) Warranties or representations made at directors, officers, employees or any time with respect to the fitness, agents or a "crisis management quality, durability, performance or use advisor" solely for a "crisis of "your product"; and management event"; and (2) The providing of or failure to provide b. For the following expenses resulting from warnings or instructions. such "crisis management event", provided that such expenses have been approved c. Does not include vending machines or by us: other property rented to or located for the use of others but not sold. (1) Medical expenses; 26. "Your work": (2) Funeral expenses; (3) Psychological counseling; a. Means: (4) Travel expenses; (1) Work or operations performed by you (5) Temporary living expenses; or on your behalf; and (6) Expenses to secure the scene of a (2) Materials, parts or equipment furnished "crisis management event"; or in connection with such work or (7) Any other expenses pre-approved by operations. us. b. Includes: EU 00010716© 2016The Travelers Indemnity Company. All rightsreserved. Page21 of 22