May 8, 2017

We insure a Condo Trust under a BOP. A condo unit owner was injured in a slip & fall in the condo parking lot. The BOP policy excludes Medical Expense coverage for "any insured". A Condo Association Coverage Charges endorsement is attached which expands the definition of Insured: "E. The following is added to Paragraph C. Who Is An Insured of the Businessowners Liability Coverage Form: 5. Each individual unit owner of the insured condominium, but only for liability arising out of the ownership, maintenance, or repair of that portion of the premises which is not reserved for that unit owner's exclusive use or occupancy". Does this make the injured condo unit owner an "insured" under the policy of the Condo Trust and hence excluded from the Med Expense coverage under the Trust's policy?