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In most insurance policies, "you" specifically refers to the named insured and their spouse. This is because the policy is issued to a named individual or entity, which is typically the primary policyholder. When exclusions apply within the policy, they commonly pertain to situations affecting the named insured and their spouse because they are the primary parties covered under the terms of the contract.

The definitions provided in policies usually extend coverage and responsibilities specifically to these individuals, ensuring clarity in how the policy operates. This approach allows the insurer to specify which individuals are fully covered under the policy and which may be subject to different conditions or exclusions.

The other choices can encompass potentially broader groups, such as family members or employees, but these entities do not universally receive the same coverage or limitations as the named insured and spouse. This specificity is crucial for defining responsibility and managing risk within the framework of the insurance policy.