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DocuSign Envelope ID:ADB26467-ECD2-4849-8ABB-C3DDAD6E9193 <br /> fet <br /> HISCOX <br /> Reinventing Small Business Insurance Professonall Liabty insurance <br /> A Coverage Summary for Consullting Services <br /> We want you to understand the Hiscox Professional Liability coverage. This summary explains the main areas <br /> of coverage and those for which your business is and isn't covered. <br /> If you have any questions about your coverage, please contact one of our advisors at 888-202-3007 <br /> (Mon-Fri, 8am-10pm EST) or via email at contact@hiscox.com. <br /> 21 This policy does cover <br /> Negligence <br /> We cover any alleged mistakes in your provision of professional services. This includes failing in your duty of care, <br /> giving incorrect advice, making an omission (leaving something out), or failing to deliver your services. <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 performed in the past <br /> We cover the services you have performed going back to an agreed-upon date-even if that date is before you <br /> were insured with Hiscox-for any unknown claims that may be made against you and reported to us during the <br /> policy period. This date, the retroactive date, is printed on the Declarations Page of your policy. <br /> Worldwide insurance coverage <br /> We cover claims arising from work done anywhere in the world as long as the claim is filed in the United States, <br /> its territories, or Canada. <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 /> Claims and damages <br /> We cover claims for damages, including up to $250,000 of punitive damages where allowed by law. <br /> Personal injury <br /> We cover claims of libel and slander as part of your professional services. <br /> Supplemental payments <br /> We will pay for expenses you reasonably incur as a result of attending arbitration proceedings or trials in the <br /> defense of a covered claim. We will pay up to $5,000. <br />