OTHER AVAILABLE COVERAGES These coverages are currently not included or not provided, but we recommend you Consider. COVERAGE DESCRIPTION FLOOD/EARTHQUAKE Provides property coverage for losses caused by flood (including mudslide) and earthquake, tremors, or other earth movement (does not include sinkhole). BUSINESS INCOME & EXTRA Covers loss of net income plus continuing expenses including necessary payroll caused EXPENSE by or during a covered loss. Extra Expense covers additional expenses or costs to reduce the Business Income loss. A Business Income worksheet should be completed to determine adequate limits. CRIME/FIDELITY Provides coverage against losses of money, securities and property by such causes as employee dishonesty, theft, burglary, robbery, extortion, or fraud. Deception Fraud: The intentional misleading of a person to include the Insured to part SOCIAL ENGINEERING with Money or Securities by someone pretending to be an Employee, owner of the Insured, or vendor, customer, custodian, or messenger. This deception could occur by phone or email. INLAND MARINE / EQUIPMENT Includes coverage for portable and/or technical equipment along with certain office FLOATER inventory; can include leased/rented equipment. EQUIPMENT BREAKDOWN aka Provides physical damage coverage caused by sudden/accidental explosions, arcing and BOILER/MACHINERY other “breakdowns” of boiler, machinery, and electrical equipment. OCEAN MARINE / CARGO Provides property coverage for your property (supply side or product side) during shipment by you or by carriers for hire – include both ocean and overland. CARGO LEGAL LIABILITY Provides Legal Liability coverage for property of others being transported or held by you – does not include coverage caused by others or acts of nature. BAILEE / TRANSPORTATION Provides property coverage (versus legal liability) for property of others in your care, custody, or control. ELECTRONIC DATA Provides protection on equipment, software, and extra expenses incurred as a result of PROCESSING failure of such equipment caused by an insured loss – can include lost income. BUSINESS AUTO Provides Auto Liability and Physical Damage coverage to your business autos. Can include coverage for rental cars and use of employee-owned autos. DRIVE OTHER CAR Provides Personal Auto Liability to named individuals who do not have a personal auto policy of their own (typically for owners, officers, and directors). EMPLOYMENT PRACTICES Protection for claims brought by employees for discrimination and hiring/firing practices LIABILITY – can include coverage for 3rd parties. Includes defense and settlement. DIRECTORS/OFFICERS Provides defense and settlement to protect officers and directors of an organization LIABILITY against damages from claims resulting from alleged negligent or wrongful acts. TRUSTEE/FIDUCIARY LIABLITY Liability protection for those who administer pension and welfare funds, profit-sharing, or other benefit programs against loss by errors or omissions. PROFESSIONAL LIABILITY Coverage for liability resulting from mistakes made by a professional (lawyer, engineer, etc.) or for mistakes made in a service business (real estate, insurance, etc.). 8/28/24 Page 17 of 19