|
However, "abuse" does not include employment -related "sexual harassment".
<br />b. "Foster care services" means the provisions of personal care or training to a "foster child"
<br />including but is not limited to activities of any insured or of any "temporary worker", licensee,
<br />subcontractor, independent contractor, vendor or others in investigation, evaluation,
<br />counseling, treatment, training, material aid, supervision or monitoring of individuals or
<br />families, with respect to placement of a "foster child" as required by any Federal, State, or
<br />local code, regulation or ordinance.
<br />c. "Foster child" means a child whose care and upbringing are entrusted to an adult other than
<br />the child's natural or adoptive parents.
<br />d. "Medical or healthcare services" means any type of treatment or services provided for
<br />physical, mental, veterinary or dental care, including but not limited to:
<br />(1) Any type or form of psychiatric counseling;
<br />(2) Any type or form of medical, dental, physiological, psychological, addiction, behavioral,
<br />chiropractic, holistic, hospice, veterinary or any other similar treatment; or
<br />(3) The operation of a hospital, clinic open to the general public, or other medical facility or
<br />laboratory; or
<br />(4) The providing, prescription, dispensing, or using of drugs or medical appliances or
<br />devices.
<br />e. "Medically derived injury" means a physical, pathologic or psychiatric trauma resulting from
<br />"medical or healthcare services" provided by a "medical professional", including death
<br />resulting therefrom, to your care recipient. "Medically derived injury' includes an aggravation
<br />of a preexisting disease or mental disorder. "Medically derived injury" does not include
<br />"property damage", "personal and advertising injury", or any injury arising from "abuse",
<br />"sexual misconduct or sexual molestation" or "sexual harassment".
<br />f. "Medical professional" means an anesthesiologist, chiropodist, chiropractor, dentist, medical
<br />technician, midwife, nurse anesthetist, nurse, optometrist, pharmacist, physician, podiatrist,
<br />psychiatrist, psychologist, surgeon, veterinarian, x-ray therapist, or any other individual who
<br />provides preventative, curative, or rehabilitative health care services, and is licensed where
<br />required by law.
<br />g. "Product recall" means the recall or withdrawal of "your product" from the market or from use
<br />by any other person or organization because of a known or suspected defect in 'your
<br />product" which has or is reasonably expected to cause "bodily injury" or physical injury to
<br />tangible property other than "your product".
<br />h. "Product recall expenses" mean those reasonable and necessary expenses paid and directly
<br />related to a "product recall"
<br />I. "Professional services" means any service that:
<br />(1) Involves specialized education, knowledge, labor, judgment, and skill, and is
<br />predominantly mental or intellectual (as opposed to physical or manual) in nature; and
<br />(2) Is provided as part of the Named Insured's operations as a nonprofit or human services
<br />organization; and
<br />(3) Subject to Paragraphs a. and b. above, "professional services" includes but is not limited
<br />to the following:
<br />(a) Advice, guidance, or assistance;
<br />Includes copyrighted material of Insurance services Office, Inc, with its permission.
<br />Copynght 2022 GuideOne Insurance
<br />Risk Mwage tedDlvislan
<br />3 Reoiewm S, APPRavm BY:
<br />`i gam' , Risk Management Specialist
<br />Of
<br />UU10 bb 1 u 11 22
<br />Page 12 of 13
<br />
|