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oSet <br /> H I SCOX <br /> ABOUT THIS <br /> POLICY <br /> The Hiscox Professional Liability— US Direct policy is designed to offer coverage for the <br /> risks entities face in performing their Professional Services. We urge You to read this <br /> Policy carefully so You understand the insurance that You have purchased, and the full <br /> extent of Your and Our rights and duties under this Policy. Please note that all words <br /> and phrases that appear in bold-type (except headings) have special meaning and are <br /> defined in the Definitions section of this Policy. Coverage for all Claims is subject to the <br /> entire terms and conditions of the policy. <br /> Coverage for Claims Made Against You <br /> You have purchased insurance that provides coverage for Claims made against You. <br /> We will pay Damages on Your behalf for any Claim that falls within the Insuring <br /> Agreement and within all of the terms and conditions outlined in the policy. Covered <br /> Claims are for Your Wrongful Acts in providing or failing to provide Professional <br /> Services. To determine who is an Insured please refer to the Definitions and Spousal <br /> and Domestic Partner section of the policy. Additionally, for coverage to apply, You <br /> must comply with all Your obligations as outlined in the Notice of Claims, Notice of <br /> Potential Claims, and the rest of the policy. The most We will pay is outlined in the <br /> Limits of Liability Section and items We will not pay are outlined in the Exclusions <br /> section. You are responsible for payments as outlined in the Deductible section. <br /> Risk Management Division <br /> 3� REVIEWED&APPROVED By: <br /> DPL P001 CW(05/13) 2 T. ! fq A avacto <br /> iEVIZEZES <br /> -1 Risk Management Specialist <br />