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). 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 SOCIAL ENGINEERING to part 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 / Includes coverage for portable and/or technical equipment along with certain EQUIPMENT FLOATER office inventory; can include leased/rented equipment. EMPLOYMENT PRACTICES Protection for claims brought by employees for discrimination and hiring/firing LIABILITY practices – can include coverage for 3rd parties. Includes defense and settlement. DIRECTORS/OFFICERS Provides defense and settlement to protect officers and directors of an LIABILITY organization against damages from claims resulting from alleged negligent or wrongful acts. TRUSTEE/FIDUCIARY Liability protection for those who administer pension and welfare funds, profit- LIABLITY 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.). CYBER/NETWORK Provides defense and settlement from claim of computer virus, malicious code, SECURITY/ computer theft, extortion, or other mistake or error by your employees on the DATA BREACH LIABILITY 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. 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 (ACCOUNTS RECEIVABLE) as well as here domestically. Credit Insurance reimburses bad debt losses from insolvency and bankruptcy situations. 8/27/24 Page 14 of 16