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DocuSign Envelope ID:08F5590C-AFE2-44BA-B873-AC73B2E3Al2B <br /> Qd This pofty does not cover <br /> Employment matters <br /> We won't cover you for clalms alleging improper employment practices, workers'compensation claims, or <br /> employer's liability_ <br /> (Known Claims and circumstances <br /> We won't cover any known circumstance that could result in a claim or any actual claim Originating prior to the <br /> start of your first Hiscox policy, <br /> False advertising <br /> We won't cover you for false advertising claims. <br /> 1 Other services <br /> We won't cover any medlout or nursing servlcas that you perform.We also don't cover any Services you perform <br /> that are not specified in your policy, <br /> Practicing without a valid license,certification,accreditation or designation <br /> We won't cover any servIess performed by you without a valid license,Cot-dflcatlon,accreditation or designation <br /> as required by a licensing board or regulatory authority. <br /> Your costs and excluded damages <br /> We won't cover fines, penalties,and Wes that are levied against you.Hiscox also won't cover the cost of <br /> complying with nonmonetary relief,cost overruns,or reduction of your fees. <br /> r � <br /> Protection, oven It you haven't made a mistake <br /> A client,IS allergic to an ingredient in the moisturizer you used during a facial,The client waWs up with a bright <br /> red faca'from the oh8mical reaction.The client must go to the emergency room for treatment and misses work. <br /> The client sues you for her injuries and lost wages.If the Client's allergies were not known to you,we Oil appoint <br /> an attorney to defend you and pay any damages, <br /> protootlon, evert It the claim may be groundless <br /> After twice weakly workouts for over a year, a client has met their personal training goal to lose ten inches from <br /> their waist and incorporate a healthy diet Into their lifestyle.The ollent brings a claim against you alleging you did <br /> not personally train him properly because he was unable to complete a marathon whioh his friends and family <br /> cams;to watch, Even If this is a groundless claim,we will defend and indemnify you. <br /> Negligent acts <br /> A client'complains of back pain after a therapeutic massage. It is discovered that an Improper massage techna <br /> led to an Injury that prevented the client from returning to work,requiring rehabilitative therapy.We will pay for ; <br /> damages caused by your negligence, up to the policy limits. <br /> Coverage summaries,descriptions,and claims examples are provided for Illustrative purposes only and are subject <br /> to the applicable policy limits,deductibles, exclusians,terms,and conditions.Not all insurance products and <br /> servlCgS are avallable In all states. Hiscox recommends you read the policy documents to learn the full details of <br /> coverage. <br /> tlndurwAttan by HINcox Insurance Gampany Im.,104 South Mlehlgan Av0iluo,Suite ODD,Chicago,IL 84603,as udministorad by Hlseax trio„e <br /> ticensed insurance provider in all states and Dc. <br />