# CHUBB Enhanced Commercial Umbrella Liability Policy

## Business

### ii. To the spouse, civil union partner, domestic partner, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph 3.a.(1)i above;

### iii. For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs 3.a.(1)i or 3.a.(1)ii above; or

### iv. Arising out of his or her providing or failing to provide professional health care services, except with respect to "Good Samaritan acts".

#### (2) "Property damage" to property:

- i. Owned, occupied or used by you;
- ii. Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company).

#### b. Any person (other than your "employee" or "volunteer worker") or any organization while acting as your real estate manager, but only for acts within the scope of that person's or organization's duties as your real estate manager.

#### c. Any person or organization having proper temporary custody of your property if you die, but only:
1. With respect to liability arising out of the maintenance or use of that property; and
2. Until your legal representative has been appointed.

#### d. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this policy.

#### e. Any person or organization from whom you lease equipment, but only with respect to the maintenance or use by you of such equipment and only if you are contractually obligated to provide them such insurance as is afforded by this contract. However, no such person or organization is an "insured" with respect to any:
1. Damages arising out of their sole negligence; or
2. "Occurrence" that occurs or offense that is committed after the equipment lease ends.

#### f. Any person or organization from whom or from which you lease premises, but only with respect to the ownership, maintenance or use of that particular part of such premises leased to you and only if you are contractually obligated to provide them with such insurance as is afforded by this contract. However, no such person or organization is an "insured" with respect to any:
1. Damages arising out of their sole negligence;
2. "Occurrence" that occurs or offense that is committed after you cease to be a tenant in the premises or the lease ends, whichever is later; or
3. Structural alteration, new construction or demolition operations performed by or on behalf of them.

#### g. Any person or organization, other than those described in subparagraphs a. through f. above, if insured under "underlying insurance". Coverage provided by this policy for any such "insured" will be no broader than coverage provided by "underlying insurance". However, this restriction shall not apply to coverages specifically designated to be excess of the "enhanced coverage self-insured retention" or excess of a "scheduled retained limit".