Commercial General Liability - Who Is An Insured

Commercial General Liability - Who is an insured?

1. Named Insureds

a) Individual including the spouse. As an individual you are covered for the conduct of any business of which you are the sole owner.

b) Partnership or Joint Venture. Includes partners, members and their spouses. Coverage is limited to the conduct of your business.

c) Limited Liability Company. Includes members and managers. Coverage for members is limited to the conduct of their business and coverage for managers is limited in respect to their duties only.

d) Corporation. Includes executive officers, directors and stockholders. For Executive officers and directors, coverage is limited to their duties. For stockholders, coverage is limited to their liability as stockholders only.

e) Trust. Includes trustees. Coverage is limited to their duties as trustees only.

2. Others

a) Employees and volunteer workers, other than executive officers of corporation and managers of Limited Liability Company. Coverage is limited to acts within the scope of their employment or while performing duties related to the conduct of your business.

b) Persons other than employees and volunteer workers. Coverage is limited to while acting as your real estate manager.

c) Any person with temporary custody of your property if you die. Coverage is limited to liability arising out of maintenance or use of that property.

d) Your legal representative if you die. Coverage is limited in respect to their duties.

No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company not shown as a Named Insured in the Declarations of the policy.

Note that employees, volunteer workers, persons other than employees are defined in your policy language and should be reviewed with your agent. Some common definitions are as follows:

A. Employee: "Employee" includes a "leased worker". "Employee" does not include a "temporary worker".

1. Leased Worker: "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".

2. Temporary Worker: "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short term workload conditions.

B. Executive Officer: "Executive officer" means a person holding any of the office positions created by your charter, constitution, by-laws or any similar governing document.

C. Volunteer Worker": "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.