How to solve Many insurance policies use the term you instead of using what word or phrase

The ejusdem generis rule for interpreting insurance policy language means that

a$.$ most of the language in an insurance policy is generalized so the policy can be used with many different insureds to cover many different exposures.

b$.$ one term in a list will be interpreted in light of the meaning of the other words in the list.

c$.$ policy provisions dealing with the same subject matter should be read together and harmonized if at all possible.

d$.$ when a list ends with a catchall provision, the courts presume the list was intended to include other items of the same character or class as the items on the list.