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AM <br />HISC®X <br />Reinventing Small Business Insurance® <br />General Liability Coverage Summary <br />We want you to understand the Hiscox General Liability coverage. This summary explains the main areas of <br />coverage and exclusions. <br />If you have any questions about your coverage, please contact one of our advisors at 888-202-3007 <br />(Mon -Fri, 8am-10pm EST) or via email at contact@hiscox.com. <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 <br />damage someone else's property. However, damage to premises you rent is only covered if caused by fire or <br />if the premises is rented to you for a period of 7 or fewer consecutive days. <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 />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 />Personal and advertising injury <br />We cover claims of libel and slander that are not part of your professional services. We also protect you if your <br />advertisement unintentionally uses a third party's advertising idea or infringes upon another's copyright. We do <br />not provide this coverage to marketing or PR professionals, research consultants, graphic designers, lawyers, <br />recruiters, real estate agents/brokers or property managers: <br />Electronic data liability <br />Specifically added for consultants and technology service providers, Hiscox covers your liability for damage <br />to someone's electronic data resulting from the physical damage of property. We provide up to $25,000 <br />of coverage. <br />Worldwide insurance coverage <br />We cover damage that occurs in the United States, its territories and Canada. We also offer some coverage for <br />instances outside these areas while you're away on short periods of travel. <br />Employees or temporary staff <br />Hiscox will cover claims arising from your employees' or temporary staff's actions if they were performed on <br />behalf of your business. <br />Supplemental payments <br />Your Hiscox policy covers the following expenses, should they be incurred, without reducing your limit of liability: <br />• All expenses we incur, including the defense of lawsuits <br />• Up to $250 a day for reasonable expenses (including loss of earnings) you incur as a result of assisting <br />us in the defense of a claim or lawsuit <br />• Interest on damage awards <br />