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4. the estate, heirs, executors, administrators or legal representatives of any Insured described
<br /> in paragraph 3 above in the event of such Insured's death, incapacity, insolvency, or
<br /> bankruptcy, but only to the extent that such Insured would otherwise be provided coverage
<br /> under this Policy; and
<br /> 5. independent contractors who are natural persons, but only with respect to Professional
<br /> Services performed on behalf of the Named Insured or Subsidiary thereof.
<br /> J. Interrelated Wrongful Acts means all Wrongful Acts that have as a common nexus any fact,
<br /> circumstance, situation, event, transaction, cause or series of related facts, circumstances,
<br /> situations, events, transactions or causes.
<br /> K. Named Insured means the entity or person specified in Item 1 of the Declarations.
<br /> L. Personal Injury Offense means one or more of the following offenses:
<br /> 1. false arrest, detention or imprisonment;
<br /> 2. malicious prosecution;
<br /> 3. defamation, including libel and slander, and disparagement;
<br /> 4. publication or an utterance in violation of an individual's right to privacy; and
<br /> 5. invasion of the right to private occupancy, including wrongful entry or eviction.
<br /> M. Policy means collectively, the Declarations, the Application, this policy form and any
<br /> endorsements.
<br /> N. Policy Period means the period of time specified in Item 2 of the Declarations, subject to prior
<br /> termination pursuant to Section VI.E, Termination of the Policy.
<br /> O. Pollutants means any substance exhibiting any hazardous characteristics as defined by, or
<br /> identified on a list of hazardous substances issued by the United States Environmental Protection
<br /> Agency or any federal, state, county or municipal or local counterpart thereof or any foreign
<br /> equivalent. Such substances shall include, without limitation, solids, liquids, gaseous or thermal
<br /> irritants, contaminants or smoke, vapor, soot, fumes, acids, alkalis, chemicals or waste materials.
<br /> Pollutants shall also mean any other air emission, odor, waste water, oil or oil products, infectious
<br /> or medical waste, asbestos or asbestos products, silica, or noise.
<br /> P. Professional Services means only those services specified in Item 7 of the Declarations
<br /> performed for others by an Insured or by any other person or entity for whom the Insured is
<br /> legally liable.
<br /> Q. Property Damage means:
<br /> 1. physical injury to, or loss or destruction of, tangible property, including the loss of use thereof;
<br /> and
<br /> 2. loss of use of tangible property which has not been physically injured, lost, damaged or
<br /> destroyed.
<br /> R, Retroactive Date means the date specified in Item 6 of the Declarations.
<br /> S. Subsidiary means any entity, other than a joint venture, in which the Named Insured:
<br /> 1. owns interests representing more than 50% of the voting, appointment or designation
<br /> power for the selection of a majority of the board of directors if such entity is a corporation,
<br /> the management committee members if such entity is a partnership, the members of the
<br /> management board if such entity is a limited liability company; or
<br /> 2. has the right, pursuant to written contract or the by-laws, charter, operating agreement or
<br /> similar documents of the Named Insured or any Subsidiary, to elect, appoint or designate
<br /> a majority of the board of directors if such entity is a corporation, the management
<br /> committee members if such entity is a partnership, the members of the management board
<br /> if such entity is a limited liability company,
<br /> PF-18874(02/06) Page 3 of 10
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