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DocuSign Envelope ID:Aoo26467 Eoou4o4e-8Aoo'oaooAosse1ea <br /> Bodily injury or property damage <br /> We won't cover damages or claims expenses if you injure someone or damage someone's property. Coverage for <br /> these types of risks is included in our General Liability or Business Owners Policy. <br /> Employment matters <br /> We won't cover you for claims 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 that you knew about <br /> prior to the start of your first Hiscox policy. <br /> False advertising <br /> We won't cover you for false advertising claims. <br /> Personally identifiable information <br /> We won't cover your failure to protect any personally identifiable information that is in your care. <br /> Other services <br /> We won't cover any medical, nursing, insurance broker/agent, legal, actuarial, architectural, or engineering <br /> services you perform. Financial related services, including advice on mergers and acquisitions, and valuations, <br /> are excluded. We also don't cover any services you perform that are not specified in your policy. <br /> Regulatory claims <br /> We won't cover any claims that are brought by any governmental body or licensing organization, unless it is one <br /> of your clients and makes a claim against you in that capacity. <br /> Your costs and excluded damages <br /> We won't cover fines, penalties, and taxes 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 /> Intellectual property <br /> We won't cover infrigement of a copyright, trademark, patent, or theft of a trade secret. <br /> Protection even if you haven't made a mistake-You advise a client to change some internal processes to <br /> increase productivity. The recommendations aren't implemented as you had specified and productivity <br /> subsequently drops by 15% rather than improving. If your client sues you to recover lost income, we will <br /> appoint an attorney to defend you. <br /> Protection even if you haven't made a mistake-You manage the development of a new product. There are <br /> problems with the project(which are out of your control)and you cannot deliver the final product in a timely <br /> manner. If your client sues you, we will appoint an attorney to defend you. <br /> Negligent acts-You advise a client to update their employment practices. Six months later, your client <br /> contacts you, stating a part-time employee is suing the company. You had omitted a key requirement on the <br /> amount of hours part-time employees are permitted to work. If your client sues you, we will appoint an <br /> attorney to defend you. <br /> Coverage summaries, descriptions, and claims examples are provided for illustrative purposes only and are <br /> subject to the applicable policy limits, deductibles, exclusions, terms, and conditions. Not all insurance <br /> products and services are available in all states. Hiscox recommends you read the policy documents to learn <br /> the full details of coverage. <br /> Underwritten by Hiscox Insurance Company Inc., 104 South Michigan Avenue,Suite 600,Chicago,IL 60603,as administered by Hiscox Inc., <br /> a licensed insurance provider in all states and DC. <br />