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DocuSign Envelope ID:08F5590C-AFE2-44BA-B873-AC73B2E3Al2B - <br /> Arm <br /> H I S C <br /> Reinventing Small auslneas[nsuranoal' T <br /> Professional Liability Insurance <br /> Health, Beauty and Wellbeing Professionals <br /> We want you to understand how Professional Liability insurance helps protect your lousiness,This summary <br /> explains what is and isn't covered. <br /> If you have any qu$stibns about your coverage, please contact one of out advisors at 888-202-3007 - <br /> (Mon-Fri, 8am-1 bpm I`ST)or via email at contact @hiscox.carrl. <br /> policy This <br /> Bodily Injury <br /> To the extent you are legally liable,we cover damages or claims expenses If you Injure a third-party, <br /> Negligence <br /> We cover any alleged mistakes In your provision of professional services.This Includes falling In your'duty of <br /> care,'giving incorrect advice, an omission(leaving something out),orfaffing to deliver your servlcss, <br /> Defense costs <br /> If you're sued, even If you haven't made a mistake,we will appoint an attorney to defend you, even If the lawsuit <br /> is groundless, <br /> Services performad in the past <br /> We cover the services you have performed going back to an agreed-upon date,cven if that date Is before you <br /> were-insured with Hiscox—for anyunknown claims that may be made against you and reported to us during the <br /> policy period,This date, the retroactive date,Is printed bn the declarations page of your policy. <br /> Employees,temporary staff, and Independent contractors <br /> We cover claims arising from services performed by your employees,temporary staff,or independent Contractors <br /> if those'services were performed on behalf of your business. <br /> Volunteers and student Interns <br /> We cover claims arising from sarvioes petforma l by your volunteers or student Interns If those services were <br /> performed under your direction and supervision. <br /> Personal injury <br /> We cover claims of libel and slander as part of your professional services, <br /> 5upplarpental payments <br /> We`vrili ply for expenses you reasonably incur as a result of attending arbitratiQn proceedings yr trials in the <br /> defense,of a covered cialrrl.We will pay up to$5,030. <br /> Adminldtrative and disciplinary proceedings <br /> We will pay up to 55,000 to defend you in an administrative hearing or disclp€inary procouding brought by an <br /> administrative agency,licensing board or regulatory authority as a result of your professional services, <br /> HIPAA violations <br /> We will pay for claims due to your falluro or alleged failure to protect any non-public,personally identifiable <br /> Information In your care arising out of a violation of the Health Insurance Portability and Accountability Act <br /> (HIPAA)as a result of your professional services,We will[say up to$25,000. <br /> Sexual risconduct and abuse claims <br /> We will pay up to$200,000 far claims of sexual misconduct and abuse as a result of your professional services, <br />