# Enhanced Commercial Umbrella Liability Policy

- **General Counsel;**
- **Treasurer; and**
- **Risk Manager.**

If the "Named Insured" does not have any one of the "executive officer" titles listed in paragraph 4. above in its organization at the time of the "occurrence", then the definition of "key individual" will mean the one senior-most individual "executive officer" holding the position having the duties and responsibilities of such listed position, irrespective of the title of the position.

For the purposes of this definition, the fact that an individual holds more than one of the listed positions at the time of the "occurrence" shall not operate to afford such individual any greater rights than an individual holding only one such position.

- **"Leased worker"** means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker".

- **"Liquor liability hazard"** means "bodily injury" or "property damage" for which any "insured" may be held liable by reason of:
  1. Causing or contributing to the intoxication of any person;
  2. The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or
  3. Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.

The "liquor liability hazard" includes claims against any "insured" alleging negligence or other wrongdoing in:
  1. The supervision, hiring, employment, training or monitoring of others by that "insured"; or
  2. Providing or failing to provide transportation, detaining or failing to detain any person, or any act of assuming or not assuming responsibility for the well-being, supervision or care of any person allegedly under or suspected to be under the influence of alcohol.

- **"Loading or unloading"** means the handling of property:
  1. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto";
  2. While it is in or on an aircraft, watercraft or "auto"; or
  3. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto".

- **"Loss"** means those sums paid in the settlement of a claim or "suit" or satisfaction of a judgment that the "insured" is legally liable to pay as damages because of "bodily injury", "property damage", or "personal and advertising injury", after making proper deduction for all recoveries and salvages. Additionally, if "defense costs" (other than post-judgment interest) reduce the applicable limits of "underlying insurance" or "scheduled retained limit", then "loss" shall include such "defense costs", other than post-judgment interest.

- **"Mobile equipment"** means any of the following types of land vehicles, including any attached machinery or equipment:
  1. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads;

XSE- 50762(05/18)
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