Orange County NC Website
BUSINESS LIABILITY COVERAGE FORM <br />Page 10 of 24 Form SS 00 08 04 05 <br />2.Applicable To Medical Expenses Coverage <br />We will not pay expenses for "bodily injury": <br />a.Any Insured <br />To any insured,except "volunteer workers". <br />b.Hired Person <br />To a person hired to do work for or on behalf <br />of any insured or a tenant of any insured. <br />c.Injury On Normally Occupied Premises <br />To a person injured on that part of <br />premises you own or rent that the person <br />normally occupies. <br />d.Workers'Compensation And Similar <br />Laws <br />To a person,whether or not an <br />"employee"of any insured,if benefits for <br />the "bodily injury"are payable or must be <br />provided under a workers'compensation <br />or disability benefits law or a similar law. <br />e.Athletics Activities <br />To a person injured while practicing, <br />instructing or participating in any physical <br />exercises or games,sports or athletic <br />contests. <br />f.Products-Completed Operations Hazard <br />Included with the "products-completed <br />operations hazard". <br />g.Business Liability Exclusions <br />Excluded under Business Liability Coverage. <br />C.WHO IS AN INSURED <br />1.If you are designated in the Declarations as: <br />a.An individual,you and your spouse are <br />insureds,but only with respect to the <br />conduct of a business of which you are the <br />sole owner. <br />b.A partnership or joint venture,you are an <br />insured.Your members,your partners,and <br />their spouses are also insureds,but only with <br />respect to the conduct of your business. <br />c.A limited liability company,you are an <br />insured.Your members are also insureds, <br />but only with respect to the conduct of your <br />business.Your managers are insureds,but <br />only with respect to their duties as your <br />managers. <br />d.An organization other than a partnership, <br />joint venture or limited liability company,you <br />are an insured.Your "executive officers"and <br />directors are insureds,but only with respect <br />to their duties as your officers or directors. <br />Your stockholders are also insureds,but only <br />with respect to their liability as stockholders. <br />e.A trust,you are an insured.Your trustees <br />are also insureds,but only with respect to <br />their duties as trustees. <br />2.Each of the following is also an insured: <br />a.Employees And Volunteer Workers <br />Your "volunteer workers"only while <br />performing duties related to the conduct of <br />your business,or your "employees",other <br />than either your "executive officers"(if you <br />are an organization other than a <br />partnership,joint venture or limited liability <br />company)or your managers (if you are a <br />limited liability company),but only for acts <br />within the scope of their employment by <br />you or while performing duties related to <br />the conduct of your business. <br />However,none of these "employees"or <br />"volunteer workers"are insureds for: <br />(1)"Bodily injury"or "personal and <br />advertising injury": <br />(a)To you,to your partners or <br />members (if you are a partnership <br />or joint venture),to your members <br />(if you are a limited liability <br />company),or to a co-"employee" <br />while in the course of his or her <br />employment or performing duties <br />related to the conduct of your <br />business,or to your other <br />"volunteer workers"while <br />performing duties related to the <br />conduct of your business; <br />(b)To the spouse,child,parent, <br />brother or sister of that co- <br />"employee"or that "volunteer <br />worker"as a consequence of <br />Paragraph (1)(a)above; <br />(c)For which there is any obligation <br />to share damages with or repay <br />someone else who must pay <br />damages because of the injury <br />described in Paragraphs (1)(a)or <br />(b)above;or <br />(d)Arising out of his or her providing <br />or failing to provide professional <br />health care services. <br />If you are not in the business of <br />providing professional health care <br />services,Paragraph (d)does not apply <br />to any nurse,emergency medical <br />technician or paramedic employed by <br />you to provide such services. <br />(2)"Property damage"to property: <br />(a)Owned,occupied or used by, <br />Docusign Envelope ID: 016C7FF8-5EB3-4D21-A006-0A8906E60E75