2017-296-E Aging - Lorraine Lewis for wellness instructor

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DocuSign Envelope ID:656DF690-72BC-42BC-9E47-7038084D8FFA 4E1' ,!1)4/1'1 Healthcare Professional Liability II. PERSONS INSURED Each of the following is an Insured under this policy to the extent set forth below: A. If the Named Insured is an individual,the Named Insured so designated in the Declarations; B. If the Named Insured is a sole proprietorship,the Named Insured so designated in the Declarations; C. If the Named Insured is a partnership,the partnership so designated and any current or former partner thereof; D. If the Named Insured is other than a sole proprietorship or partnership, the organization so designated and any current or former owner,officer,director,trustee or stockholder thereof; E. Any current or former employee of the Named Insured, but only while such employee was acting on behalf of the Named Insured and within the scope of the employee's duties as such or for acts performed by such employee as a Good Samaritan or unpaid volunteer during the employee's term of employment with the Named Insured; F. Any person or entity listed as an Additional Insured on a Claims-Made Policy issued by the Company to which this policy is a renewal, but only for Incidents which happen during the time the Additional Insured Endorsement listing such person or entity was in force and solely for Incidents which are covered under the policy resulting from the sole negligence of the Named Insured or any employee thereof while acting within the scope of their duties for,and on behalf of,the Named Insured; G. Any volunteer,but solely while such person was acting within the scope of the volunteer's duties for,and on behalf of the Named Insured. III. LIMIT OF LIABILITY Regardless of the number of Insureds under this insurance,the number of persons and/or organizations who sustain Bodily Injury, Property Damage and/or Personal Injury or the number of Claims made or Suits brought,the Company's liability is limited as follows: A. The Limit of Liability stated in the Declarations as applicable to "each Incident"is the total limit of the Company's liability for all Damages for each Incident covered by the policy, including any Extended Reporting Period. All Claims arising from the same or related Incident shall be considered a single Claim for the purpose of this insurance and shall be subject to the same Limit of Liability. B. The Limit of Liability stated in the Declarations as "Aggregate" is, subject to the above provisions involving "each Incident", the total limit of the Company's liability under this policy, including any Extended Reporting Period,for all Damages. The purchase of any Extended Reporting Period option shall not increase the Limit of Liability available under this insurance. IV. DEDUCTIBLE The Insured shall pay Damages and/or Claim Expenses for each Incident or Occurrence equal to the amount of the Deductible,if any specified in the Declarations. The Company's obligation to pay Damages and Claim Expenses on behalf of the Insured resulting from a Claim shall be in excess of the Deductible amount stated in the Declarations. 10 HCPL-2026(Ed. 11/09)