Orange County NC Website
Browse       Search
Common claims examples <br />This policy does not cover <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 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 />Other services <br />We won’t cover any medical or nursing services 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 services performed by you without a valid license, certification, accreditation or designation <br />as required by a licensing board or regulatory authority. <br /> <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 />Protection, even if you haven’t made a mistake <br />A client is allergic to an ingredient in the moisturizer you used during a facial. The client wakes up with a bright <br />red face from the chemical 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 will appoint <br />an attorney to defend you and pay any damages. <br />Protection, even if the claim may be groundless <br />After twice weekly 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 client brings a claim against you alleging you did <br />not personally train him properly because he was unable to complete a marathon which his friends and family <br />came 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 technique <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, exclusions, terms, and conditions. Not all insurance products and <br />services are available in all states. Hiscox recommends you read the policy documents to learn the full details of <br />coverage. <br />Underwritten by Hiscox Insurance Company Inc.,  4PVUI Michigan Avenue, Suite , Chicago, IL 6060, as administered by Hiscox Inc., a <br />licensed insurance provider in all states and DC. <br />DocuSign Envelope ID: 71FE3C0F-91F9-4BFA-B54A-5C3E1FE79255