15.9 Section II – Who Is An Insured

Who qualifies as an insured depends on the type of named insured listed in the Declarations:

• Individual or sole proprietorship: The named insured and their spouse are insureds.
• Partnership or joint venture: The named insured, their partners or members, and their spouses are insureds.
• Limited liability company (LLC): The named insured, its members, and its managers are insureds.
• Other organizations (such as corporations): The named insured, its executive officers, directors, and stockholders are insureds.
• Trust: The named insured and its trustees are insureds.

The following are also considered insureds under the policy:

• Volunteer workers and employees while performing duties related to the insured's business.
• Any person or organization acting as the named insured's real estate manager.
• Any person or organization with temporary custody of the named insured's property after the insured's death, until a legal representative is appointed.
• The named insured's legal representative if the named insured dies.