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BUSINESS LIABILITY COVERAGE FORM
<br />2. Applicable To Medical Expenses Coverage
<br />We will not pay expenses for "bodily Injury
<br />a, Any Insured
<br />To any Insured, except "volunteer workers ".
<br />b. Hired Person
<br />To a person hired to do work for or on behalf
<br />of any Insured or a tenant of any Insured,
<br />c. Injury On Normally Occupied Promises
<br />To a person Injured on that part of
<br />premises you own or rent that the person
<br />normally occupies,
<br />d. Workers' Compensation And Similar
<br />Laws
<br />To a person, whether or not an
<br />"employee" of any Insured, if benefits for
<br />the "bodily Injury" are payable or must be
<br />provided under a workers' compensation
<br />or dlsabllity benefits law or a similar law,
<br />e. Athletics Activities
<br />To a person Injured while practloing,
<br />Instructing or participating In any physical
<br />exercises or games, sports or athletic
<br />contests,
<br />f. Products•Comploted Operations Hazard
<br />Included with the "products- completed
<br />operations hazard ",
<br />g. Buslnass Liability Exclusions
<br />Excluded under Business Liability Coverage,
<br />C. WHO IS AN INSURED
<br />1. If you are daslgnated In the Declarations as:
<br />a. An Individual, you and your spouse are
<br />Insureds, but only with respect to the
<br />conduct of a business of which you are the
<br />sole 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 />o. A limited Ilablllty company, you are an
<br />Insured. Your members are also Insureds,
<br />but 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 then a partnership,
<br />Joint venture or limited liability company, you
<br />are an insured, Your "executive officers" and
<br />directors are Insureds, but only with respect
<br />to thelr dudes as your officers or directors.
<br />Your stockholders are also Insureds, but only
<br />Win respect to their Ilablllty as stockholders.
<br />a. A trust, you are an Insured, Your trustees
<br />are also Insureds, but only with respect to
<br />their 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
<br />are an organization other than a
<br />partnership, joint venture or limited Ilablllty
<br />company) or your managers (If you are a
<br />limited liability company), but only for acts
<br />within the scope of their employment by
<br />you or while performing duties related to
<br />the conduct of your business,
<br />However, none of these "employees" or
<br />"volunteer workers" are insureds for:
<br />(1) "Bodily Injury" or "personal and
<br />advertising Injury"
<br />(a) To you, to your partners or
<br />members (If you are a partnership
<br />or joint venture), to your members
<br />(if you are a limited Ilabllity
<br />company), or to a co"employea"
<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
<br />"volunteer workers" while
<br />performing duties related to the
<br />conduct of your business;
<br />(b) To the spouse, child, parent,
<br />brother or sister of that oo-
<br />"employee" or that "volunteer
<br />worker" as a consequence of
<br />Paragraph (1)(a) above;
<br />(c) For which there Is any obligation
<br />to share damages with or repay
<br />someone else who must pay
<br />damages because of the Injury
<br />described In Paragraphs (1)(a) or
<br />(b) above; or
<br />(d) Arising out of his or her providing
<br />or failing to provide professional
<br />health care services.
<br />If you are not in the business of
<br />providing professional health care
<br />services, Paragraph (d) does not apply
<br />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, ocoupled or used by,
<br />Page 10 of 24 Form $S 00 08 04 08
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