Insurance coverage

01

General liability

Hiscox Insurance Company Inc.

Certificate

General liability insurance addresses covered third-party bodily injury and property damage arising from CareBridge’s operations. The Hiscox policy also provides specified medical expense and rented-premises limits, subject to its terms and exclusions.

Primary limit

$1 million each occurrence

Aggregate

$2 million general aggregate

Policy period

October 20, 2026 – October 20, 2027

Policy number

P107.457.281.1

Coverage basis

Occurrence

Damage to rented premises

$100,000 any one premises

Medical expenses

$5,000 any one person

Personal & advertising injury

$0 — excluded

Products / completed operations

Subject to the general aggregate

Professional services and privacy/cyber incidents are excluded from this general liability policy. Products and completed operations share the general aggregate. Additional-insured status is subject to the written-contract endorsement and its conditions.

02

Cyber & data risk

Hiscox Insurance Company Inc.

Certificate

Our cyber policy addresses covered data breaches, security failures and cyber extortion affecting the agency. It includes breach-response costs, data recovery, qualifying liability claims and digital media liability, subject to shared limits, retentions and endorsements.

Primary limit

$250,000 each claim and/or event

Aggregate

$250,000 shared aggregate

Policy period

October 20, 2026 – October 20, 2027

Policy number

P107.457.282.1

Coverage basis

Claims-made liability; covered cyber events discovered during the policy period

Retroactive date

October 20, 2026

Retention

$10,000

Digital media liability

$250,000 each claim / aggregate, shared with Cyber

Business interruption

$100,000 aggregate sublimit; 10-hour waiting period

Restoration period

120 days

Cyber crime

$10,000 shared aggregate sublimit

Bricking / system failure

$10,000 shared aggregate sublimit each

Enhanced privacy regulation

$25,000 shared aggregate sublimit

Reputational harm / utility fraud

$50,000 shared aggregate sublimit each

Ransomware

$25,000 aggregate sublimit; special HIPAA provisions apply

Cyber and Digital Media share the policy limits; sublimits are included within those limits, not added to them. Claims expenses reduce the available limit. Dependent business interruption and dependent system failure are not covered. For insureds meeting the policy’s HIPAA covered-entity or business-associate definitions, the ransomware sublimit applies only to cyber extortion and business interruption costs. See the endorsements for the full conditions.

03

Professional liability

American Casualty Company of Reading, Pennsylvania

Certificate

Our professional liability certificate lists Nursing Firm as the insured specialty under an occurrence policy administered through Nurses Service Organization (NSO). It records professional liability limits and a separate information privacy (HIPAA) limit, helping your agency review the insurance documentation relevant to our nursing services.

Primary limit

$1 million each claim

Aggregate

$3 million aggregate

Policy period

October 23, 2026 – October 23, 2027

Policy number

0848869279

Coverage basis

Occurrence professional liability policy form

Program administrator

Nurses Service Organization (NSO)

Listed specialty

Nursing Firm

Information privacy (HIPAA)

$25,000 per incident / $25,000 aggregate

Listed exclusion

Cosmetic procedures

The certificate also lists general liability of $1 million each claim / $3 million aggregate. These are separate policy figures, not added to the Hiscox limits. The certificate states coverage requires the premium to be paid in full.