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<br />This policy does not cover <br /> <br />Intent to injure <br />We won’t cover you for any act that occurs with the intent to injure. This includes personal and advertising <br />injuries if you knew your actions were false or violated the rights of others. <br /> <br />Outside the policy period <br />We won’t cover claims for bodily injury, property damage, personal and advertising injury or loss or <br />damage to your business property that do not occur during the policy period. <br /> <br />Known claims and circumstances <br />We won’t cover your business for any claim or circumstance that could result in a claim you knew about prior <br />to the start of your first Hiscox policy. <br /> <br />Earthquakes or Volcanoes <br />We won’t cover you for losses caused by earthquakes or volcanoes. However, if a fire results from one of these <br />events, we will cover the loss as a result of the fire. <br /> <br />Errors or omissions <br />We won’t cover any professional services performed by you. These types of risks may be covered as part of a <br />Professional Liability or Errors & Omissions policy. <br /> <br />Wear and Tear <br />We won’t cover any claims arising out of wear and tear to business property. <br /> <br />Workers’ compensation <br />We won’t cover any obligation you may have under a workers’ compensation claim or similar law. <br /> <br />Exposed property <br />We won’t cover claims for damage from rain, snow, ice, or sleet to business property in the open. <br /> <br />Common claims examples <br />Bodily injury — A customer slips and falls while walking in your store and you are legally liable for the injury. <br />We will cover the subsequent claim and related medical expenses up to your limits of liability. <br /> <br />Stolen property — A break-in results in stolen business property as well as theft of a client’s property that was in <br />your possession. We will cover the subsequent claim up to your limits. <br /> <br />Building fire — The building you own is involved in a fire started by a neighboring business. We will pay the <br />subsequent claim up to your coverage limits, including loss of business income during the period of time you are <br />unable to continue your business activities. <br /> <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 /> <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 />DocuSign Envelope ID: 0FEF0829-8FBB-4466-A647-077035DACBF6