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"employee" as a consequence <br />of paragraph (1) (a) above; <br />(c) For which there is any <br />obligation to share damages <br />with or repay someone else <br />who must pay damages <br />because of the injury <br />described in paragraphs (1)(a) <br />or (1)(b); or <br />(d) Arising out of his or her <br />providing or failing to provide <br />professional services. <br />(2) "Property damage" to property: <br />(a) Owned, occupied or used by; <br />or <br />(b) Rented to, in the care, custody <br />or control of, or over which <br />physical control is being <br />exercised for any purpose by; <br />you, any of your "employees", <br />"volunteer workers", any partner <br />or member (if you are a <br />partnership or joint venture), or <br />any member (if you are a limited <br />liability company). <br />b. Any person (other than your <br />"employee" or "volunteer worker") or <br />any organization while acting as your <br />real estate manager. <br />c. Any person or organization having <br />proper temporary custody of your <br />property if you die, but only: <br />(1) With respect to liability arising out <br />of the maintenance or use of that <br />property; and <br />(2) Until your legal representative has <br />been appointed. <br />d. Your legal representative if you die, <br />but only with respect to duties as <br />such. That representative will have all <br />your rights and duties under this <br />policy. <br />3. Any organization you newly acquire or <br />form, acquire or form, other than a <br />partnership, joint venture or limited <br />liability company, and over which you <br />maintain ownership or majority interest, <br />will qualify as a Named Insured if there is <br />no other similar insurance available to <br />that organization. However: <br />a. Coverage under this provision is <br />afforded only until the 9dh day after <br />you acquire or form the organization <br />or the end of the policy period, <br />whichever is earlier; and <br />b. Business Liability Coverage does not <br />apply to: <br />(1) "Bodily injury" or "property <br />damage" that occurred before you <br />acquired or formed the <br />organization; and <br />(2) "Personal and advertising injury" <br />arising out of an offense <br />committed before you acquired <br />or formed the organization. <br />No person or organization is an insured with <br />respect to the conduct of any current or past <br />partnership, joint venture or limited liability <br />company that is not shown as a Named <br />Insured in the Declarations. <br />D. Liability and Medical Expenses Limits of <br />Insurance <br />1. The Limits of Insurance under SECTION <br />II - LIABILITY shown in the Declarations <br />and the rules below fix the most we will <br />pay regardless of the number of: <br />a. Insureds; <br />b. Claims made or "suits" brought; or <br />c. Persons or organizations making <br />claims or bringing "suits". <br />2. Subject to the Aggregate Limit identified <br />in paragraph 5. below, the most we will <br />pay for the sum of all damages because <br />of all: <br />a. "Bodily injury", "property damage" <br />and medical expenses arising out of <br />any one "occurrence"; and <br />b. "Personal and advertising injury" <br />sustained by any one person or <br />organization; <br />is the Liability And Medical Expenses <br />Limit shown in the Declarations. <br />3. Subject to the Liability And Medical <br />Expenses Limit, the most we will pay for <br />all medical expenses because of "bodily <br />injury" sustained by any one person is <br />the Medical Expenses Limit shown in the <br />Declarations. <br />4. The Damage to Premises Rented to You <br />Limit shown in the Declarations is the <br />most we will pay for damages because <br />of "property damage" to any one <br />premises while rented to you, or <br />temporarily occupied by you with <br />permission of the owner. <br />5. Aggregate Limits <br />a. The most we will pay for: <br />(1) All "bodily injury" and "property <br />damage" that Is Included in the <br />"products -completed operations <br />hazard" is twice the Liability And <br />Medical Expenses Limit. <br />(2) All: <br />(a) "Bodily injury" and "property <br />damage" except damages <br />Kn¢ mmuganmt unvmn <br />e �3 REml Pm&APPR�aY: <br />A, fe Acv44 <br />ANWRisk Management SpeaAist <br />391.1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its <br />