An employee of an insured (or an employee leased to an insured by a labor
leasing firm) whose duties are related to the residence premises or one who
performs comparable (and nonbusiness) duties elsewhere, as defined in the homeowners
policy. Personal liability and medical payments under the homeowners policy
apply to residence employees provided (1) the loss occurs within the scope of
the employee's employment with the insured, and (2) the employee is not eligible
to receive workers compensation or occupational disease benefits.
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