COVERAGE DESCRIPTION CYBER/NETWORK SECURITY/ Provides defense and settlement from claim of computer virus, malicious code, DATA BREACH LIABILITY computer theft, extortion, or other mistake or error by your employees on the job. INVOICE MANIPULATION Provides coverage for when the customers or vendors of an Insured are tricked by a Bad Actor using legitimate email and data of the Insured to get the customer or vendor to alter a payment or delivery of products, services, or goods to the wrong location that is controlled by the Bad Actor. EMPLOYERS LIABILITY STOP- Provides Employer Liability coverage in those state-controlled work comp programs that GAP COVERAGE do not include employers’ liability coverage (OH, WY, ND, and WA). MONOPOLISTIC WORKERS If you have employees in these states, the employer is required to purchase Workers COMPENSATION: Compensation directly with the state and therefore coverage is not provided under your ND, WY, WA, OH workers compensation policy with us. UMBRELLA / EXCESS LIABILITY Higher Limits are Available. POLLUTION COVERAGE Provides coverage for costs related to pollutants – sudden and accidental release of hazardous materials. Typical coverage includes cleanup and restoration as well as your liability for injury and death resulting from a Pollution occurrence. The policy can be issued to cover your premises, other’s premises, ‘over the road’, or for a specific job. PRODUCT RECALL Provides coverage for expenses associated with recalling a product from the market. Product recall insurance is typically purchased by manufacturers to cover costs such as customer notification, shipping costs, and disposal costs. CREDIT INSURANCE Credit Insurance should be considered when transacting with vendors overseas as well (ACCOUNTS RECEIVABLE) as here domestically. Credit Insurance reimburses bad debt losses from insolvency and bankruptcy situations. INTERNATIONAL LIABILITY Provides coverage for Individuals who live and work in the United States and occasionally travel overseas for business trips. For permanent operations in foreign countries, a separate foreign liability policy is required. Coverage can be purchased for General Liability, Hired Auto Liability, Accident/Disability/Dismemberment, Kidnap & Ransom, and Workers’ Comp. TRAVEL ACCIDENT Travel Accident Insurance provides accidental death and dismemberment benefits for employees while traveling abroad on company business, at the work site during their hour basis for employees. Coverage for War Risk and Political Evacuation job, or on a 24- may be available. 8/28/24 Page 18 of 19