RANESES, MICHAEL - 2018 - Laserfiche WebLink

Home Browse Search

Intent to injure We won't 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 won't 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 won't 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 won't cover your failure to protect any personally identifiable information that is in your care. Professional services We won't 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 won't cover any claims arising out of the ownership or use of an automobile or a watercraft. Workers' compensation We won't cover any obligation you may have under a workers' compensation claim or similar law. Your property We won't 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 don't provide this coverage to marketing or PR professionals, research consultants, graphic designers, lawyers, recruiters, real estate agents/brokers or property managers. However, this coverage is available as part of our Professional Liability Policy. Bodily injury — 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 - You spill coffee on a client's server causing damage and loss of data. We will cover the subsequent claim up to your limits of liability. Personal injury — 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.