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d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your
<br /> executive officers and directors are insureds, but only with respect to their duties as your officers or directors.
<br /> Your stockholders are also insureds, but only with respect to their liability as stockholders.
<br /> e. A trust,you are an insured.Your trustees are also insureds, but only with respect to their duties as trustees.
<br /> 2. Any subsidiary,associated,affiliated,allied or limited liability company or corporation,including subsidiaries thereof,of
<br /> which you have more than 50% ownership interest at the effective date of the policy period qualify as a Named
<br /> Insured.
<br /> 3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and
<br /> over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar
<br /> insurance available to that organization. However:
<br /> a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the
<br /> end of the policy period,whichever is earlier;
<br /> b. Coverage under this policy does not apply to bodily injury, property damage or environmental damage that
<br /> occurred before you acquired or formed the organization;
<br /> c. Coverage under this policy does not apply to personal and advertising injury arising out of an offense committed
<br /> before you acquired or formed the organization;and
<br /> d. Coverage under this policy does not apply to damages arising out of any act, error or omission or professional
<br /> incident that took place before you acquired or formed the organization.
<br /> 4. Each of the following is also an insured:
<br /> a. Your volunteer workers only while performing duties related to the conduct of your business, or your employees,
<br /> other than either your executive officers (if you are an organization other than a partnership, joint venture or
<br /> limited liability company) or your managers (if you are a limited liability company), but only for acts within the
<br /> scope of their employment by you or while performing duties related to the conduct of your business. However,
<br /> none of these employees or volunteer workers are insureds for:
<br /> (1) Bodily injury or personal and advertising injury:
<br /> (a) To you,to your partners or members (if you are a partnership or joint venture)or to your members (if you
<br /> are a limited liability company);
<br /> (b) For which there is any obligation to share damages with or repay someone else who must pay damages
<br /> because of the injury described in Paragraphs(1)(a)above;or
<br /> (c) Arising out of the providing or failure to provide professional health care services except incidental health
<br /> care services provided by any physician, dentist, nurse, emergency medical technician or paramedic who
<br /> is employed by you to provide such services and provided you are not engaged in the business of
<br /> providing such services.
<br /> (2) Property damage or environmental damage to property owned, occupied or used by, rented to, in the care,
<br /> custody or control of, or over which physical control is being exercised for any purpose by you, any of your
<br /> employees, volunteer workers, any partner or member (if you are a partnership or joint venture), or any
<br /> member(if you are a limited liability company).
<br /> b. Any person (other than your employee), or any organization while acting as your real estate manager.
<br /> c. Any person or organization having proper temporary custody of your property if you die, but only with respect to
<br /> liability arising out of the maintenance or use of that property and until your legal representative has been
<br /> appointed.
<br /> d. Your legal representative if you die, but only with respect to duties as such.That representative will have all your
<br /> rights and duties under this policy.
<br /> e. Any person or organization you agree to include as an insured in a written contract,written agreement or permit,
<br /> but only with respect to bodily injury, property damage, environmental damage or personal and advertising
<br /> injury arising out of your operations,your work,equipment or premises leased or rented by you,or your products
<br /> which are distributed or sold in the regular course of a vendor's business,however:
<br /> IE.COV.EPIC.001 (05/13) Includes copyrighted material of Insurance Services Offices, Inc.with its permission.
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