GL_COVERAGESUMMARY_09_23_2024_P103929584-2157964291856.pdf

A Guide To Your General Liability Policy

© Hiscox Inc. 2010 Page 1

The following is a guide to your General Liability policy. We have identified several key coverage items along with the limits and deductibles you have selected. To make it easier, we have also added a brief explanation of those items.

We want you to feel confident about your new policy. If any of the information below is incorrect or if you have any questions, please contact one of our advisors at 844-357-0840 (Mon-Fri, 7am-10pm ET) or manage your policy at: www.hiscox.com/ manage-your-policy.

Your business details Name: Kristi Wilson

Business Name: Kristi Wilson

Address: 4872 N Barranco Dr

City: Litchfield Park

State: AZ

Zip code: 85340

Occupation: Education consulting

Telephone number: 602-361-9651

Email address: drkristiwilson5@gmail.com

Your General Liability Policy Policy number: P103.929.584.1

Policy effective dates:

This determines the time period during which your coverage applies.

From:

To:

September 23, 2024 September 23, 2025

Form of business:

This identifies the legal structure of your business and determines who is insured under your policy.

Limited Liability Company

Business Property and Equipment Coverage: Rejected

Optional terrorism coverage: Included

Total cost of policy: $ 350.00

Your coverage and limits Each occurrence limit The most we will pay for all damages due to bodily injury and property damage, and medical expenses that arise out of any one occurrence.

Defense costs we incur, in the defense of a lawsuit filed against you, will not reduce this limit.

$ 1,000,000

© Hiscox Inc. 2010 Page 2

General aggregate limit The most we will pay for all damages and medical expenses for the entire policy. Defense costs we incur, in the defense of a lawsuit filed against you, will not reduce this limit.

$ 2,000,000

Medical expenses The most we will pay for all medical expenses sustained by any one person.

$ 5,000 any one person

Deductible for General Liability Coverage However, a $1,000 per occurrence deductible does apply to properties managed by you, premises listed by you or shown by you for sale or rental.

No deductible

Other policy information Notice of claim If you have a claim, please call us at 866-424-8508. You may also e-mail us at reportaclaim@hiscox.com

What does my General Liability Policy cover?

For a summary showing examples of what you are and are not covered for, please read the Coverage Summary document.

This guide does not modify the terms and conditions of your policy, which are contained in your policy documents, nor does it imply any claim is covered or not covered. We recommend that you read your policy documents to learn the details of your coverage.

Reinventing Small Business Insurance®

General Liability Coverage Summary We want you to understand the Hiscox General Liability coverage. This summary explains the main areas of coverage and exclusions.

If you have any questions about your coverage, please contact one of our advisors at (Mon-Fri, 7am-10pm ET). Or, you can manage your policy by visiting https://www.hiscox.com/manage-your-policy.

This policy does cover Bodily injury or property damage To the extent you are legally liable, we cover damages or claims expenses if you injure a third-party or daPage VRPeRQe eOVe¶V SURSeUW\. HRZeYeU, daPage to premises you rent is only covered if caused by fire or if the premises is rented to you for a period of 7 or fewer consecutive days.

Medical payments We will make medical payments as a result of bodily injury that occurs in the course of your business operations, regardless of fault.

Defense costs If \RX¶Ue sued, even if \RX¶Ue not at fault, we will appoint an attorney to defend you, even if the lawsuit is groundless. We will pay these defense costs on your behalf.

Personal and advertising injury We cover claims of libel and slander that are not part of your professional services. We also protect you if your adYeUWiVePeQW XQiQWeQWiRQaOO\ XVeV a WhiUd SaUW\¶V adYeUWiViQg idea RU iQfUiQgeV XSRQ aQRWheU¶V cRS\UighW. We dR not provide this coverage to marketing or PR professionals, research consultants, graphic designers, lawyers, recruiters, real estate agents/brokers or property managers.

Electronic data liability Specifically added for consultants and technology service providers, Hiscox covers your liability for damage to VRPeRQe¶V electronic data resulting from the physical damage of property. We provide up to $25,000 of coverage.

Worldwide insurance coverage We cover damage that occurs in the United States, its territories and Canada. We also offer some coverage for instances outside these areas while \RX¶Ue away on short periods of travel.

Employees or temporary staff Hiscox will cover claims arising from \RXU ePSOR\eeV¶ RU WePSRUaU\ VWaff¶V actions if they were performed on behalf of your business.

Supplemental payments Your Hiscox policy covers the following expenses, should they be incurred, without reducing your limit of liability:

x All expenses we incur, including the defense of lawsuits x Up to $250 a day for reasonable expenses (including loss of earnings) you incur as a result of assisting us in the defense of a claim or lawsuit x Interest on damage awards

844-357-0840

This policy does not cover Intent to injure We ZRQ¶W cover you for any act that occurs with the intent to injure. This includes personal and advertising injuries if you knew your actions were false or violated the rights of others.

Outside the policy period We ZRQ¶W cover claims for bodily injury, property damage, or personal and advertising injury that do not occur during the policy period.

Known claims and circumstances We ZRQ¶W cover your business for any claim or circumstance that could result in a claim you knew about prior to the start of your first Hiscox policy.

Personally identifiable information We ZRQ¶W cover your failure to protect any personally identifiable information that is in your care.

Professional services We ZRQ¶W cover any professional services performed by you. These types of risks may be covered as part of our Professional Liability Policy.

Vehicles and boats We ZRQ¶W cover any claims arising out of the ownership or use of an automobile or a watercraft.

WoUkeUV¶ compensation We ZRQ¶W cRYeU aQ\ RbOigaWiRQ \RX Pa\ haYe XQdeU a ZRUNeUV¶ cRPSeQVaWiRQ cOaiP RU ViPiOaU law.

Your property We ZRQ¶W cover claims for damage to property you own or have in your care. However, protection for your own business equipment can be purchased as part of our Business Owners Policy.

Personal and advertising injury We dRQ¶W SURYide WhiV cRYeUage WR PaUNeWiQg RU PR SURfeVViRQaOV, UeVeaUch cRQVXOWaQWV, gUaShic deVigQeUV, lawyers, recruiters, real estate agents/brokers or property managers. However, this coverage is available as part of our Professional Liability Policy.

Common claims examples

Bodily injury ² A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your limits of liability.

Property damage and data loss ² You spill coffee on a cOieQW¶V server causing damage and loss of data.

We will cover the subsequent claim up to your limits of liability.

Personal injury ² One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your limits of liability, and pay for an attorney to defend you if necessary.

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.