An hours clause based on seven days. Some catastrophe occurrences may last for this period, expressed often as 168 consecutive hours rather than seven days.

Provision in a directors’ and officers’ liability policy that the wrongful act or knowledge of one director or officer is not to be imputed to another for the purpose of utmost good faith or application of a policy exclusion. Each insured person is treated as having arranged his own cover.
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A provision that insurance applies separately to each insured under the policy. Also, that facts relating to or knowledge possessed by one insured person will not be imputed to any other insured person either for purposes of applying the exclusions in the policy or invoking a coverage defense based upon misrepresentations in the application. As a result of this type of provision, the policy is treated as “severable” or a separate policy issued to each insured person and the conduct or knowledge of one insured person will not jeopardize coverage afforded to other insured persons. Typically, different severability provisions apply with respect to policy exclusions, on the one hand, and application representations, on the other. Absent severability provisions, the knowledge or conduct of one insured person may result in loss of coverage to all other insured persons, including “innocent” insured persons who had no involvement in or knowledge of the conduct that gave rise to the application misrepresentations or excluded conduct.