# Enhanced Commercial Umbrella Liability Policy

- **"Executive officer"** means a person holding any of the officer positions created by your charter, constitution, by-laws or any other similar governing document.
- **"Food laboratory testing expense"** means the reasonable and necessary expenses incurred during a potential food contamination "bodily injury", "occurrence" or claim. These expenses include testing by an independent laboratory to determine the cause, nature or extent of actual or alleged illness or disease from contamination of food or drink.
- **"Good Samaritan acts"** mean emergency cardiopulmonary resuscitation or first aid services performed by any "employee" of yours who is not a licensed medical professional.
- **"Hazardous properties"** include radioactive, toxic or explosive properties.
- **"Impaired property"** means tangible property, other than "your product" or "your work", that cannot be used or is less useful because:
  1. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or
  2. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by:
    1. The repair, replacement, adjustment or removal of "your product" or "your work"; or
    2. Your fulfilling the terms of the contract or agreement.
- **"Insured"** means:
  1. Any person or organization qualifying as a "Named Insured".
  2. If the person or organization shown in the Declarations is:
    a. An individual: you and your spouse, civil union partner or domestic partner, but only with respect to the conduct of a business of which you are the sole owner.
    b. A partnership or joint venture: your members, your partners, and their spouses, civil union partners, or domestic partners, but only with respect to the conduct of your business.
    c. A limited liability company: your members, but only with respect to the conduct of your business; Your managers, but only with respect to their duties as your managers.
    d. An organization other than a partnership, joint venture or limited liability company: your "executive officers" and directors, but only with respect to their duties as your officers or directors; Your stockholders, but only with respect to their liability as stockholders.
    e. A trust: your trustees are also "insureds", but only with respect to their duties as trustees.
  3. Each of the following:
    a. Your "volunteer workers", but only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are "insureds" for:
      (i) "bodily injury" or "personal and advertising injury":
        i. To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your