Who qualifies as an insured person in a claim situation?

In the context of commercial insurance policies, especially liability coverage, the term "insured person" typically refers to individuals who are covered under the policy for claims arising out of the operations of the insured organization. The correct choice identifies directors, officers, and employees as qualified insured persons.

This classification is important because it recognizes that these individuals are integral to the functioning of the organization and may be held liable for actions taken while acting in their respective roles. Thus, the organization is not only protecting its own interests but also those of its key personnel who may be exposed to claims while performing their duties.

Independent contractors and volunteers, while potentially involved with an organization, do not have the same automatic coverage under most commercial insurance policies unless specifically included or endorsed. Named insured organizations generally refer to the organizations themselves rather than individuals. Therefore, focusing on the roles of directors, officers, and employees broadens the protection framework to cover a significant portion of individuals who are actively engaged in the organization's operations, thus ensuring comprehensive risk management in case of claims.