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DocuSign Envelope ID:CDB26ED1-82FE-487A-872C-345E8A833228 <br /> COMMERCIAL GENERAL LIABILITY <br /> CGL 088(10 13) <br /> 2. Loss of Earnings <br /> Paragraph 1.d. is replaced with the following: <br /> d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense <br /> of the claim or"suit", including actual loss of earnings up to$500 a day because of time off from work. <br /> SECTION II—WHO IS AN INSURED Is amended as follows: <br /> 1. Incidental Malpractice <br /> Paragraph Za.(1)(d) is replaced with the following: <br /> (d) Arising out of his or her providing or failing to provide professional health care services. However, this <br /> exclusion does not apply to a nurse, emergency medical technician or paramedic employed by you to <br /> provide medical services, unless: <br /> (i) You are engaged in the occupation or business of providing or offering medical, surgical, dental, x-ray <br /> or nursing services, treatment, advice or instruction; or <br /> (ii) The"employee'has another insurance that would also cover claims arising under this provision, <br /> whether the other insurance is primary, excess, contingent or on any other basis. <br /> 2. Broadened Who Is An Insured <br /> The following are added to Paragraph 2,; <br /> Subsidiaries <br /> e. Your subsidiaries if: <br /> (1) They are legally incorporated entities; and <br /> (2) You own more than 50%of the voting stock in such subsidiaries as of the effective date of this policy. <br /> If such subsidiaries are not shown in the Declarations, you must report them to us within 180 days of <br /> the inception of your original policy. <br /> Additional Insureds <br /> f. Any person or organization described in paragraphs g.through k. below whom you are required to add as <br /> an additional insured on this policy under a written contract or agreement in effect during the term of this <br /> policy, provided the written contract or agreement was executed prior to the"bodily injury", "property <br /> damage" or"personal and advertising injury"for which the additional insured seeks coverage. <br /> However, the insurance afforded to such additional insured(s): <br /> (1) Only applies to the extent permitted by law; <br /> (2) Will not be broader than that which you are required by the contract or agreement to provide for such <br /> additional insured; <br /> (3) Will not be broader than that which is afforded to you under this policy; <br /> (4) Is subject to the conditions described in paragraphs g. through k. below; and <br /> CGL 088(1 d 13) Includes copyrighted material of the Insurance Services Office, Inc.,with Its permission. Page 10 of 16 <br /> Copyright 2013 FOCI Insurance Group <br />