According to the definitions in his Commercial General Liability policy, how is Tina described?

In a Commercial General Liability (CGL) policy, the term "employee" is used in a specific context to define the relationship between the policyholder and individuals working for them. An employee is generally someone who is hired to perform services for an employer on a regular basis and is subject to the employer's control over how those services are executed.

In this case, identifying Tina as an "employee" means that she has a formal relationship with the policyholder that goes beyond mere association or volunteer work. Employees typically receive compensation and are considered part of the workforce under the employer's authority and policies. This defines not only the obligations of the employer but also the protections available under the CGL policy, which may include coverage for liabilities arising from the actions of employees during the course of their employment.

This classification is important because it impacts how claims are processed and what protections are afforded under the insurance policy. Recognizing Tina as an employee would provide specific liability coverage that may not extend to leased workers, volunteer workers, or temporary workers, who are categorized differently under insurance policies and would not enjoy the same protections as full employees. Understanding these terms helps clarify the extent of both employer liability and employee rights under the terms of the policy.