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UHYJ251489 (1) To which this insurance does not apply; Your"executive officers" and directors or are insureds, but only with respect to (2) If any other insurer has a duty to their duties as your officers or directors. defend. Your stockholders are also insureds, b. Where we have the duty to defend, we but only with respect to their liability as stockholders. may, at our discretion, investigate any "occurrence" or offense and settle any (5) A trust, you are an insured. Your claim or"suit". trustees are also insureds, but only c. Where we have no duty to defend,we have with respect their duties as trustees, the right to participate in the investigation b. Each of the following is also an insured: and settlement of any claim, and defense (1) Your "volunteer workers" only while of any"suit",that we feel may create liability performing duties related to the on our part under the terms and conditions conduct of your business, or your of this policy. If we exercise this right, we "employees", other than your will do so at our own expense. "executive officers" (if you are an d. Our duty to defend ends when we have organization other than a partnership, used up the applicable Limit of Insurance in joint venture or limited liability the payment of judgments, settlements, company) or your managers(if you are related costs or expenses. a limited liability company), but only for Ili. WHO IS AN INSURED acts within the scope of their employment by you or while 1. Coverage A— Follow Form Excess Liability performing duties related to the Who Is An Insured: conduct of your business. However, The following persons or organizations qualify none of these "employees" or as an insured: "volunteer workers" is an insured for; a. The named insured stated in Item 1 of the (a) "Bodily injury", "personal injury" or Declarations; and "advertising injury": b. Any other person or organization qualifying (i) To you, to your partners or as an insured under the "underlying members (if you are a insurance"but not beyond the extent of any partnership or joint venture),to limitation imposed under any contract or a co-"employee" while in the agreement. course of his or her employment or performing 2. Coverage B— Umbrella Liability Who Is An duties related to the conduct of Insured: your business, or to your other a. If you are designated in the Declarations "volunteer workers" while as: performing duties related to (1) An individual, you and your spouse are the conduct of your business; insureds, but only with respect to the (11) To the spouse, child, parent, conduct of a business of which you are brother or sister of the the sole owner. "employee" or "volunteer (2) A partnership or joint venture, you are worker" as a consequence of an insured. Your members, your paragraph (a)(1) above; partners, and their spouses are also (iii) For which there is any insureds, but only with respect to the obligation to share damages conduct of your business, with or repay someone else (3) A limited liability company, you are an who must pay damages because of the injury insured. Your members are also described in paragraphs (a){1) insured's, but only with respect to the or(crib)above; or conduct of your business. Your managers are insureds, but only with (iv)Arising out of his or her respect to their duties as your providing or failing to provide managers. professional health care (4) An organization other than a services. partnership, joint venture or limited (br "Property Damage"to property: liability company, you are an insured. 475-0001 01 23 Includes copyrighted material of Insurance Services Office,Inc,with Its permission. page 4 of 19 Copyright 2023 The Hanover Insurance Company. All rights reserved.