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<br /> <br />Businessowners Policy <br />Coverage Summary <br /> <br /> <br />We want you to understand the Hiscox Businessowners Policy. This summary highlights some important <br />coverages and exclusions. Please see your policy for a full explanation of all coverages and exclusions. <br /> <br />If you have any questions about your coverage, please contact one of our advisors at <br />(Mon-Fri, 7am-10pm ET) or at <br /> <br /> <br />This policy does cover <br /> <br />Bodily injury or property damage <br />To the extent you are legally liable, we cover damages or claims expenses if you injure a third-party or damage <br />someone else’s property (including damage due to a fire at a premise you rent, unless you work from home). <br /> <br />Medical payments <br />We will make medical payments as a result of bodily injury that occurs in the course of your business operations, <br />regardless of fault. <br /> <br />Defense costs <br />If you’re sued, even if you’re not at fault, we will appoint an attorney to defend you, even if the lawsuit is <br />groundless. We will pay these defense costs on your behalf. <br /> <br />Business property <br />We cover for loss or damage to your business property (e.g. computers, printers, and office furniture). <br /> <br />Coverage in and away from the office <br />Your business property is insured when physically in your office. We also provide coverage for business property <br />you take away from the office, such as laptops (see policy for “off-premises” terms and limits). <br />Building(s) <br />We will cover loss or damage to your building(s) from a covered cause of loss up to your building <br />limit(s) (see policy for terms and limits). <br /> <br />Lost business income and extra expense <br />We will pay the actual income your business loses and extra expenses you incur if you cannot operate your <br />business as a result of a covered loss to your business equipment (see policy for terms and limits). <br /> <br /> Tailored coverage for your business <br />Your policy includes other tailored coverages for your business, such as equipment breakdown coverage, <br />expediting expenses, and business income for your website. See your policy for a full description of the <br />package of coverages specific to your business. <br />https://www.hiscox.com/manage-your-policy. <br />844-357-0840 <br />DocuSign Envelope ID: 0FEF0829-8FBB-4466-A647-077035DACBF6