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DocuSign Envelope ID:8B670D51-A7FD-4694-8E94-963553021305 <br /> TERMS, CONDITIONS AND OTHER PROVISIONS <br /> MANAGEMENT & PROFESSIONAL LIABILITY POLICY <br /> DEFINITIONS <br /> Employee - continued <br /> b. Has been, is being, or seeks to be paid a regular wage or salary by the "insured organization" or by <br /> an employment service or sponsor who provides such persons to the "insured organization." <br /> Environment <br /> "Environment" means any: <br /> a. Person; <br /> b. Man-made object or feature; <br /> c. Animals, crops or vegetation; or <br /> d. Land, bodies of water, underground water or water table supplies, air and any other feature of the <br /> earth or its atmosphere, whether or not altered, developed or cultivated and whether or not owned, <br /> controlled or occupied by an "insured." <br /> Independent Contractor <br /> "Independent contractor" means any natural person, other than an "employee," "director or officer," <br /> "leased employee" or "volunteer" who renders service to the "insured organization" in the course of <br /> independent employment pursuant to a contract for specified services;provided that any: <br /> a. Coverage afforded under this Policy for such natural person only applies to the extent that the <br /> "insured organization" agrees to indemnify such natural person; and <br /> b. Such coverage shall be specifically excess of any other indemnity and insurance otherwise available <br /> to such natural person or any entity that such natural person is affiliated. <br /> Insurance Organization <br /> "Insurance organization" means CUMIS Insurance Society,Inc. <br /> Insured <br /> "Insured" means: <br /> a. The "insured organization"; <br /> b. "Insured persons"; <br /> c. Only with respect to Fiduciary Liability Coverage provided in this Policy, "insured plan"; or <br /> d. Other"insured"if listed as an "insured"in an endorsement to this Policy. <br /> MPL 0002 07 13 CUMIS Insurance Society, Inc. Page 6 of 30 <br />