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This policy does not cover <br /> <br />Employment matters <br />We won’t cover you for claims alleging improper employment practices, workers’ compensation claims, or <br />employer’s liability. <br /> <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 /> <br />False advertising <br />We won’t cover you for false advertising claims. <br /> <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 /> <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 /> <br /> <br />Common claims examples <br /> <br />Protection, even if you haven’t made a mistake <br />A client falls over an item in her home and injures her hip. The client must go to the emergency room for <br />treatment. Even though you weren’t in the home when the accident occurred, t he client sues you for her <br />injuries indicating you didn’t properly check the home for safety hazards. W e will appoint an attorney to defend <br />you and pay any damages. <br /> <br />Protection, even if the claim may be groundless <br />A client develops a skin infection and brings a claim against you for medical costs alleging you did not provide <br />proper bathing assistance. Even if this is a groundless claim, we will defend and indemnify you. <br /> <br /> <br /> <br />Negligent acts <br />A client complains of back pain after you lift them into bed. It is discovered that an improper lifting procedure led <br />to the injury, requiring rehabilitative therapy. We will pay for damages caused by your negligence, up to the policy <br />limits. <br /> <br /> <br /> <br /> <br /> <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 /> <br />Underwritten by Hiscox Insurance Company Inc., 104 South Michigan Avenue, Suite 600, Chicago, IL 60603, as administered by Hiscox Inc., a <br />licensed insurance provider in all states and DC. <br />DocuSign Envelope ID: 011CA84E-8FCF-40B9-9D8F-7305C5E1FD4D