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BUSINESS LIABILITYCOVERAGE FORM <br />2.ApplicableTo MedicalExpenses Coveragee. <br />Atrust,youareaninsured.Yourtrustees <br />arealsoinsureds,butonlywithrespectto <br />We will not payexpenses for "bodilyinjury": <br />theirduties astrustees. <br />a.Any Insured <br />2. <br />Eachofthefollowing is also aninsured: <br />Toanyinsured,except"volunteerworkers". <br />a.Employees AndVolunteer Workers <br />b.HiredPerson <br />Your"volunteerworkers"onlywhile <br />To a person hired to do work foror onbehalf <br />performingdutiesrelatedtotheconductof <br />ofanyinsuredoratenantofanyinsured. <br />yourbusiness,oryour"employees",other <br />c.InjuryOn Normally Occupied Premises <br />thaneitheryour"executiveofficers"(ifyou <br />Toapersoninjuredonthatpartof <br />areanorganizationotherthana <br />premisesyouownorrentthattheperson <br />partnership,jointventureorlimitedliability <br />normally occupies. <br />company)oryourmanagers(ifyouarea <br />limitedliabilitycompany),butonlyforacts <br />d.Workers'CompensationAndSimilar <br />withinthescopeoftheiremploymentby <br />Laws <br />youorwhileperformingdutiesrelatedto <br />Toaperson,whetherornotan <br />the conduct of yourbusiness. <br />"employee"ofanyinsured,ifbenefitsfor <br />However,noneofthese"employees"or <br />the"bodilyinjury"arepayableormustbe <br />"volunteerworkers" areinsuredsfor: <br />providedunderaworkers'compensation <br />ordisability benefits law ora similarlaw. <br />(1) <br />"Bodilyinjury"or"personaland <br />advertising injury": <br />e.Athletics Activities <br />(a) <br />Toyou,toyourpartnersor <br />Toapersoninjuredwhilepracticing, <br />members(ifyouareapartnership <br />instructingorparticipatinginanyphysical <br />orjointventure),toyourmembers <br />exercisesorgames,sportsorathletic <br />(ifyouarealimitedliability <br />contests. <br />company),ortoaco-"employee" <br />f.Products-CompletedOperationsHazard <br />whileinthecourseofhisorher <br />Includedwiththe"products-completed <br />employmentorperformingduties <br />operationshazard". <br />relatedtotheconductofyour <br />business,ortoyourother <br />g.Business LiabilityExclusions <br />"volunteerworkers"while <br />ExcludedunderBusinessLiabilityCoverage. <br />performingdutiesrelatedtothe <br />C.WHO IS AN INSURED <br />conduct of yourbusiness; <br />1. <br />Ifyou aredesignated in the Declarations as: <br />(b) <br />Tothespouse,child,parent, <br />brotherorsisterofthatco- <br />a. <br />Anindividual,youandyourspouseare <br />"employee"orthat"volunteer <br />insureds,butonlywithrespecttothe <br />worker"asaconsequenceof <br />conduct of a business of which youare the <br />(1)(a) <br />Paragraphabove; <br />sole owner. <br />(c) <br />Forwhichthereisanyobligation <br />b. <br />Apartnershiporjointventure,youarean <br />tosharedamageswithorrepay <br />insured.Yourmembers,yourpartners,and <br />someoneelsewhomustpay <br />theirspousesarealsoinsureds,butonlywith <br />damagesbecauseoftheinjury <br />respecttotheconductofyourbusiness. <br />(1)(a) <br />describedinParagraphsor <br />c. <br />Alimitedliabilitycompany,youarean <br />(b) <br />above; or <br />insured.Yourmembersarealsoinsureds, <br />(d) <br />Arisingoutofhisorherproviding <br />butonlywithrespecttotheconductofyour <br />orfailingtoprovideprofessional <br />business.Yourmanagersareinsureds,but <br />healthcare services. <br />onlywithrespecttotheirdutiesasyour <br />managers. <br />Ifyouarenotinthebusinessof <br />providingprofessionalhealthcare <br />d. <br />Anorganizationotherthanapartnership, <br />(d) <br />services,Paragraphdoesnotapply <br />jointventureorlimitedliabilitycompany,you <br />toanynurse,emergencymedical <br />areaninsured.Your"executiveofficers"and <br />technicianorparamedicemployedby <br />directorsareinsureds,butonlywithrespect <br />youtoprovidesuchservices. <br />totheirdutiesasyourofficersordirectors. <br />Yourstockholdersarealsoinsureds,butonly <br />(2) <br />"Property damage" to property: <br />withrespecttotheirliabilityasstockholders. <br />(a) <br />Owned,occupiedor usedby, <br />Page 10of24FormSS 0008 0405 <br /> <br />