# Enhanced Commercial Umbrella Liability Policy

- **"Underlying insurance"** means the policy or policies of insurance listed in a Schedule of Underlying Insurance attached to and forming a part of this policy. If a policy shown in any applicable Schedule of Underlying Insurance has a limit of insurance:
  1. Greater than the amount shown in such Schedule, this policy will apply in excess of the greater amount of valid and collectible insurance; or
  2. Less than the amount shown in such Schedule, including but not limited to any sublimit present in the "underlying insurance" not referenced in the Schedule of Underlying Insurance, this policy will apply in excess of the amount shown in the Schedule.
- **"Volunteer worker"** means a person who is not your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you.
- **"Your product":**
  1. Means:
     a. Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by:
        (1) You;
        (2) Others trading under your name; or
        (3) A person or organization whose business or assets you have acquired; and
     b. Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products.
  2. Includes:
     a. Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and
     b. The providing of or failure to provide warnings or instructions.
  3. Does not include vending machines or other property rented to or located for the use of others but not sold.
- **"Your work":**
  1. Means:
     a. Work or operations performed by you or on your behalf; and
     b. Materials, parts or equipment furnished in connection with such work or operations.
  2. Includes:
     a. Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work", and
     b. The providing of or failure to provide warnings or instructions.
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This text provides definitions and explanations related to an Enhanced Commercial Umbrella Liability Policy, specifically focusing on terms like "underlying insurance," "volunteer worker," "your product," and "your work." It outlines how these terms are defined and what they encompass within the context of the policy.