2020-230-E Health - Pamela Hines Business Associate Agreement

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DocuSign Envelope ID:COB 173FE-65A7-41C5-985D-8D6B23DF80FB 'i, This policy does not • - Employment matters We won't cover you for claims alleging improper employment practices, workers' compensation claims, or employer's liability. Known claims and circumstances We won't cover any known circumstance that could result in a claim or any actual claim originating prior to the start of your first Hiscox policy. False advertising We won't cover you for false advertising claims. Other services We won't cover any medical or nursing services that you perform. We also don't cover any services you perform that are not specified in your policy. Practicing without a valid license, certification, accreditation or designation We won't cover any services performed by you without a valid license, certification, accreditation or designation as required by a licensing board or regulatory authority. Your costs and excluded damages We won't cover fines, penalties, and taxes that are levied against you. Hiscox also won't cover the cost of complying with nonmonetary relief, cost overruns, or reduction of your fees. Protection, even if you haven't made a mistake A client is allergic to an ingredient in the moisturizer you used during a facial. The client wakes up with a bright red face from the chemical reaction. The client must go to the emergency room for treatment and misses work. The client sues you for her injuries and lost wages. If the client's allergies were not known to you, we will appoint an attorney to defend you and pay any damages. Protection, even if the claim may be groundless After twice weekly workouts for over a year, a client has met their personal training goal to lose ten inches from their waist and incorporate a healthy diet into their lifestyle. The client brings a claim against you alleging you did not personally train him properly because he was unable to complete a marathon which his friends and family came to watch. Even if this is a groundless claim, we will defend and indemnify you. Negligent acts A client complains of back pain after a therapeutic massage. It is discovered that an improper massage technique led to an injury that prevented the client from returning to work, requiring rehabilitative therapy. We will pay for damages caused by your negligence, up to the policy limits. Coverage summaries, descriptions, and claims examples are provided for illustrative purposes only and are subject to the applicable policy limits, deductibles, exclusions, terms, and conditions. Not all insurance products and services are available in all states. Hiscox recommends you read the policy documents to learn the full details of coverage. Underwritten by Hiscox Insurance Company Inc., 104 South Michigan Avenue,Suite 600,Chicago,IL 60603,as administered by Hiscox Inc.,a licensed insurance provider in all states and DC.