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Home My WebLink About2025 - 2026 Liability Insurance Declaration (003)HANOVE R Lawyers Advantage Professional Liability Insurance Declarations Page 913-1002 01/21 Page 1 of 2 NOTICE: THIS POLICY IS A CLAIMS-MADE POLICY. PLEASE READ THE POLICY CAREFULLY. Issue Date 06/12/2025 Item 1. NAMED INSURED AND ADDRESS YELISH & BARKER LLC 813 Division St. PORT ORCHARD, WA 98366 Item 2. POLICY PERIOD Inception Date: 06/01/2025 Expiration Date: 06/01/2026 (12:01 AM standard time at the address shown in Item 1.) Item 3. LIMIT OF LIABILITY a. $1,000,000 for each Claim; not to exceed b. $2,000,000 for all Claims in the Aggregate Item 4. SUBLIMITS OF LIABILITY Privacy and Security Liability Coverage a. $1,000,000 for each Claim; not to exceed b. $1,000,000 for all Claims in the Aggregate Item 5. DEDUCTIBLE a. $5,000 each Claim b. N/A for all Claims in the Aggregate Item 6. SUPPLEMENTAL COVERAGE LIMIT AND DEDUCTIBLE LIMIT DEDUCTIBLE Disciplinary Proceedings $25,000 per Insured / $25,000 for all Insureds $0 Subpoena Assistance $1,000,000 / $2,000,000 in the Aggregate $5,000 Crisis Event N/A per Event / N/A in the Aggregate N/A Nonprofit Directors and Officers $25,000 in the Aggregate $0 Loss of Earnings N/A per Day N/A per Insured N/A in the Aggregate Not Applicable Item 7. RETROACTIVE DATE 06/01/2013 Item 8. PREMIUM FOR THE POLICY PERIOD $13,987.00 Total Premium: $13,987.00 Policy Number LH2 A647376 10 THE HANOVER INSURANCE COMPANY 440 Lincoln Street Worcester, MA 01653 (A Stock Insurance Company, herein called the Company) HANOVE R Lawyers Advantage Professional Liability Insurance Declarations Page 913-1002 01/21 Page 2 of 2 Item 9. ENDORSEMENTS EFFECTIVE AT INCEPTION: See Schedule of Forms attached. Item 10. NOTICE TO INSURER Report a claim to the Company as required by Section G. Duties in the Event of Claim(s), Potential Claim(s), or Supplemental Coverage Matter(s) to: The Hanover Insurance Company 440 Lincoln Street Worcester, MA 01653 National Claims Telephone Number: 1-800-628-0250, extension 8556281 Facsimile: 508-926-4789 Email: lawyerclaim@hanover.com Agent on behalf of: MORANCO, INC. 9631 N. NEVADA ST. #309 SPOKANE, WA 99218 0901632 We have caused this Policy to be signed by our President and Secretary and countersigned where required by a duly authorized agent of the Company. John C. Roche, President Charles F. Cronin, Secretary Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2020 The Hanover Insurance Company. All Rights Reserved. Page i TABLE OF CONTENTS A. COVERAGE ................................................................................................................................................. 1 1. Professional Services Coverage ............................................................................................................ 1 2. Privacy and Security Liability Coverage ................................................................................................. 1 3. Supplemental Coverage ......................................................................................................................... 1 B. DEFENSE AND SETTLEMENT .................................................................................................................... 2 C. LIMIT OF LIABILITY AND DEDUCTIBLE ..................................................................................................... 3 1. Limit of Liability ....................................................................................................................................... 3 2. Deductible ............................................................................................................................................... 3 3. Deductible Reduction Benefits ............................................................................................................... 3 4. Aggregate Deductible ............................................................................................................................. 3 5. Reimbursement ...................................................................................................................................... 3 D. DEFINITIONS ............................................................................................................................................... 4 E. EXCLUSIONS .............................................................................................................................................. 8 F. EXTENDED REPORTING PERIODS ......................................................................................................... 11 G. DUTIES IN THE EVENT OF CLAIM(S), POTENTIAL CLAIM(S), OR SUPPLEMENTAL COVERAGE MATTER(S) ............................................................................................. 13 H. CONDITIONS .............................................................................................................................................. 14 1. Cancellation and Non-Renewal ............................................................................................................ 14 2. Representations and Application .......................................................................................................... 14 3. Legal Action Against Us ....................................................................................................................... 14 4. Material Change ................................................................................................................................... 14 5. Transfer of Rights of Recovery Against Others to Us .......................................................................... 15 6. Assignment ........................................................................................................................................... 15 7. Sole Agent for the Insured .................................................................................................................... 15 8. Coverage Territory and Valuation......................................................................................................... 15 9. Other Insurance .................................................................................................................................... 15 10. Two or More Policies, Coverage Parts, or Endorsements Issued by Us ............................................. 16 11. Conformance to Law and Trade Sanctions .......................................................................................... 16 12. Section Titles ........................................................................................................................................ 16 13. Bankruptcy ............................................................................................................................................ 16 14. Liberalization ......................................................................................................................................... 16 Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 1 of 16 This is a CLAIMS-MADE AND REPORTED Policy. Subject to the terms, conditions, exclusions and limitations of this Policy, coverage is limited to liability for only those Claims that are first made against You and reported to Us in writing after the Retroactive Date and during the Policy Period or an Extended Reporting Period. This is a “defense within limits” Policy with Claim Expenses included within the Limit of Liability. The Limit of Liability available to pay Damages will be reduced by amounts We pay for Claim Expenses as defined in the Policy. Further note that amounts incurred for Claim Expenses and Damages are subject to the deductible. Please read this Policy carefully. Throughout this Policy, the terms We, Us and Our refer to the Company providing this insurance. The terms You and Your refer to the persons and entities insured under this Policy. Other terms in bold print have special meaning and are defined in this Policy. In consideration of the premium charged, in reliance upon the statements in Your application and subject to the Declarations page, limitations, conditions, definitions and other provisions of this Policy, including endorsements hereto, We agree with You as follows: A. COVERAGE 1. Professional Services Coverage We will pay on Your behalf those sums which You become legally obligated to pay as Damages because of any Claim made against You for a Wrongful Act. 2. Privacy and Security Liability Coverage We will pay on Your behalf those sums which You become legally obligated to pay as Damages because of any Claim made against You for a Wrongful Act resulting in a Privacy Breach or Security Breach. Any payment made hereunder is subject to the sublimit of liability referenced in Item 4. of the Declarations page. The sublimit of liability is part of, and not in addition to the Limits of Liability referenced in Item 3. of the Declarations page. 3. Supplemental Coverage The Supplemental Coverage Limits in Item 6. of the Declarations page, if applicable, are in addition to the Limits of Liability referenced in Item 3. of the Declarations page, unless stated otherwise. a. Pre-Claim Assistance If You report a Potential Claim to Us in writing during the Policy Period, any costs or Defense Expenses We incur in investigating or monitoring the Potential Claim will be paid by Us. The decision to incur any costs or Defense Expenses regarding a Potential Claim is at Our sole discretion. b. Disciplinary Proceedings We will pay on Your behalf only Defense Expenses incurred in responding to a Disciplinary Proceeding commenced against You and reported to Us in writing during the Policy Period or an Extended Reporting Period. We shall not pay any Damages incurred as a result of a Disciplinary Proceeding. c. Subpoena Assistance We will pay on Your behalf only Subpoena Response Expenses for a Subpoena first received by You and reported to Us in writing during the Policy Period. Any notice You give Us of such Subpoena that complies with the conditions under Section G.3. will be deemed notification of a Potential Claim under Section G.4. of this Policy. The Subpoena Assistance Limit in Item 6. of the Declarations page is part of, not in addition to, the Limits of Liability referenced in Item 3. of the Declarations page. d. Crisis Event We will pay on Your behalf Event Expenses for a Crisis Event first occurring and reported to Us in writing during the Policy Period. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 2 of 16 e. Nonprofit Directors and Officers We will pay only Defense Expenses on Your behalf arising out of a Suit made against You during the Policy Period, and reported to Us in writing during the Policy Period, for Your negligent acts, errors or omissions as a director or officer of a Nonprofit Entity on behalf of the Named Insured, provided that such activities as a director or officer of a Nonprofit Entity have been previously disclosed to Us in Your application or other written form accepted by Us. The coverage provided under this Nonprofit Directors and Officers Expense shall be excess of all other valid and collectable Directors and Officers Liability Insurance, whether provided on a primary, excess, contingent, or any other basis which has been issued to such Nonprofit Entity or You. f. Loss of Earnings We will pay for loss of earnings You incur to attend hearings, trials or alternative dispute resolution proceedings, involving a Claim or Disciplinary Proceeding, at Our written request. 4. Additional Requirements The following additional requirements and limitations shall apply to coverage provided under A.1., A.2., and A.3. above: a. The Wrongful Act and Professional Services must have first occurred on or after the applicable Retroactive Date(s); b. None of You had knowledge of a Wrongful Act, or any facts or other circumstances, which may reasonably give rise to a Claim or Supplemental Coverage Matter, or knowledge of any Claim or Supplemental Coverage Matter, prior to the inception date of this Policy; and c. The Claim or Supplemental Coverage Matter must first be made and reported to Us in writing during the Policy Period or an applicable Extended Reporting Period. B. DEFENSE AND SETTLEMENT 1. We have the exclusive right and duty to defend any Claim made under this Policy, even if the allegations are groundless, false or fraudulent. However, if You are entitled under applicable law to select defense counsel, then such defense counsel shall comply with Our customary rates and litigation guidelines regarding billing, staffing and reporting. We will pay Claim Expenses in connection with a Claim We defend. We are not obligated to defend any criminal investigation, criminal proceeding or prosecution, or any Claim for Equitable Relief against You. If a Claim is not covered under this Policy, We will have no duty to defend it. 2. Our duty to defend any Claim or pay any amount as Damages, Claim Expenses or Defense Expenses will cease when Our Limit of Liability has been exhausted or there is a Final Adjudication against You. Upon exhaustion of the limits of liability, We will tender control of the defense to the Named Insured. The Named Insured agrees to accept this tender of defense. 3. We will not settle a Claim without Your consent. If You refuse to consent to a settlement We recommend and which a claimant would accept, then Our liability for the Claim will not exceed: a. The amount We would have been liable for Damages if the Claim had been settled, including Claim Expenses incurred up to the time of Your refusal; and b. Eighty (80%) percent of Damages incurred in excess of the amount for which the Claim could have been settled plus Eighty (80%) percent of Claim Expenses incurred after the time of Your refusal. You shall be responsible for the remaining percentage of Damages and Claims Expenses. For the purpose of this section, settlement includes, but is not limited to, any resolution of a Claim that would have occurred as a result of any court-ordered process which You chose not to accept. 4. The Named Insured is responsible for any expenses, including fees or costs charged by a lawyer defending You, incurred without Our written consent. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 3 of 16 C. LIMIT OF LIABILITY AND DEDUCTIBLE 1. Limit of Liability a. The Limit of Liability shown on Item 3.a. of the Declarations page for each Claim is the most We will pay for the sum of all Loss arising out of a single Claim or related Claims and related Supplemental Coverage Matters, if such Supplemental Coverages are stated as part of, not in addition to, the Limits of Liability, regardless of the number of persons or entities insured under this Policy, number of Claims made, number of Supplemental Coverage Matters or the number of persons or entities making Claims or Supplemental Coverage Matters during the Policy Period or during any Extended Reporting Period. b. All Claim Expenses will first be subtracted from the Limit of Liability, with the remainder, if any, being the amount available to pay for Damages. c. The Aggregate limit shown on Item 3.b. of the Declarations page is the most We will pay for the sum of all Loss for all Claims and for all Supplemental Coverage Matters if such Supplemental Coverages are stated as part of, not in addition to, the Limits of Liability under this Policy. d. The Supplemental Coverage Limits shown on Item 6. of the Declarations page, if applicable, are the most We will pay for all Defense Expenses arising out of a single Supplemental Coverage Matter or related Supplemental Coverage Matters for each Supplemental Coverage. The Aggregate Supplemental Coverage Limits shown on Item 6. of the Declarations page, if applicable, are the most We will pay for the sum of all Defense Expenses for all Supplemental Coverage Matters for each Supplemental Coverage. The applicable Supplemental Coverage Limits are in addition to the Limits of Liability referenced in Item 3. of the Declarations page, unless stated otherwise. 2. Deductible You will pay the deductible amounts shown on the Declarations page. The deductibles apply as applicable to each Claim or Supplemental Coverage Matter. You must pay the deductible immediately when invoiced or, in the event that offers of judgment or settlement demands are made which You and We agree should be accepted, prior to the expiration of the time period for responding to such offers or demands. If different parts of a Claim or Supplemental Coverage Matter are subject to different deductibles, the applicable deductible will be applied separately to each part of such Claim or Supplemental Coverage Matter but the sum of such deductibles shall not exceed the largest applicable deductible. 3. Deductible Reduction Benefit a. Mediation If We ask, and You agree, to use Mediation to resolve any Claim brought against You, and if the Claim is resolved by Mediation within one hundred eighty (180) days after You receive the suit or demand, Your deductible obligation for that Claim will be reduced by 50%. The maximum amount of the reduction is $10,000. b. Deductible reductions may not be combined. Only one reduction in Your deductible obligation may be applied to a single Claim. A deductible reduction will not be applied: 1) To any subsequent Claims in the Policy Period; or 2) If the Policy is cancelled, terminated, or non-renewed. 4. Aggregate Deductible The Aggregate Deductible amount will be shown in the Declarations page, if applicable, and is the most You will pay for the sum of all Deductibles for all Claims to which this Policy applies. 5. Reimbursement In the event that We voluntarily choose or are compelled by a court of law to make any payment of the deductible or any Loss not covered by this Policy, and request reimbursement from You, the reimbursement is payable immediately, but no later than thirty (30) days after Our written demand. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 4 of 16 D. DEFINITIONS Bodily Injury means physical injury of a person, sickness, disease or death and, if arising out of the foregoing, mental anguish, emotional distress, mental injury, shock or humiliation. Breach Notice Law means any federal, state, local or foreign privacy legislation, regulation and their functional equivalent that requires an entity to provide notice to affected natural persons of any actual or potential unauthorized access to their Confidential Records. Claim means a: 1. Written demand received by an Insured for Damages or Equitable Relief; 2. Suit; 3. Formal administrative or regulatory proceeding commenced by the filing of charges, formal investigative order or similar document; 4. Arbitration or mediation proceeding commenced by the receipt of a demand for mediation or similar document; or 5. Written request received by an Insured to toll or waive a statute of limitations. All Claims made against any Insured that include, in whole or in part, allegations of Wrongful Acts, facts or circumstances that have a causal or logical connection will be considered one Claim. All such Claims will be considered first made at the time the earliest such Claim was made against any Insured. Wrongful Acts, facts or circumstances have a causal connection if the Wrongful Acts, facts or circumstances give rise, directly or indirectly, to the other such Wrongful Acts, facts or circumstances. Wrongful Acts, facts or circumstances have a logical connection if there is a goal, motive or methodology that is both common and central to the matters alleged. Claim Expenses means all expenses We incur or authorize in writing for the investigation, adjustment, defense or appeal of a Claim. These expenses include fees charged by a lawyer, mediator or arbitrator with Our consent for which You are obligated. Claim Expenses also means premiums on appeal, attachment or similar bonds. Claim Expenses do not include salaries, wages, fees, overhead or benefit expenses associated with: 1. Any Insured except as specified in A.3.f. Loss of Earnings; or 2. Our employees, except for salaries, wages, fees, overhead or benefit expenses charged by Our employed attorneys who are designated to represent You, with Your prior written consent. Company means the insurance company that issued this Policy, as shown on the Declarations page or referred to herein as We, Us, or Our. Computer means a single hardware device or group of hardware devices, on which software, applications, script, code or computer programs, containing Data can be operated and viewed. Confidential Record means a natural person’s first name or first initial and last name, in combination with: 1. Non-public personally identifiable information, as defined in applicable federal, state, local or foreign legislation or regulations, including social security number, driver’s license number or other personal identification number (including an employee identification number or student identification number); 2. Financial account number (including a bank account number, retirement account number or healthcare spending account number); 3. Credit, debit or payment card numbers; 4. Any Information related to employment by an Insured; 5. Individually identifiable information considered nonpublic personal information pursuant to Title V of the Gramm-Leach Bliley Act of 1999, as amended; or 6. Any individually identifiable information considered protected health information pursuant to the Health Insurance Portability and Accountability Act of 1996 (HIPAA), as amended; which is owned by an Insured or for which an Insured is legally liable and is intended by an Insured to be accessible only by natural persons or entities it has specifically authorized to have such access. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 5 of 16 Crisis Event means: 1. Potential dissolution of the Named Insured; 2. Death, serious illness or departure of a principal, partner, owner, director, executive officer, risk manager or in-house general counsel of the Named Insured; 3. Incident of workplace violence; or 4. The arrest of, initiation of a criminal investigation of, or criminal proceeding against the Chief Executive Officer, Chief Financial Officer, President, partner, principal, LLC Managing Member, or member of the board of directors, for the rendering of Professional Services; that could reasonably have a material adverse effect upon the Named Insured’s reputation. Crisis Management Firm means a public relations service provider hired by You with Our prior written consent. Our consent will not be unreasonably withheld. Cyber Attack means the transmission of fraudulent or unauthorized Data that is intended to, and successfully modifies, alters, damages, destroys, deletes, records, transmits, or consumes information within a System without authorization, including Data that is self-replicating or self-propagating, and which causes the disruption of the normal operation of a System. Damages mean: 1. Compensatory monetary judgments, awards or settlements, unless otherwise excluded; 2. Pre-judgment interest; and 3. Post judgment interest that accrues after entry of judgment and before We have paid, offered to pay or deposited in court, that part of the judgment within the applicable Limit of Liability. Damages do not include: 4. Any costs or expenses in complying with any demand for or award of Equitable Relief, even if such compliance is compelled as a result of a judgment, award or settlement; 5. Any return, restitution or reduction of professional fees; 6. Correcting, re-performing or completing any Professional Services; 7. Criminal or civil fines, statutory penalties, or sanctions against You, whether imposed by law or otherwise; or 8. Punitive or exemplary damages, and the multiple portions of any multiplied damages awarded. Data means a representation of information, knowledge, facts, concepts or instructions which are being processed or have been processed in a Computer. Defense Expenses means all expenses We incur or authorize in writing for a Supplemental Coverage Matter. These expenses include fees charged by a lawyer, mediator or arbitrator with Our consent for which You are obligated. Defense Expenses do not include Damages, other relief or Claim Expenses. Disciplinary Proceeding means an administrative or regulatory proceeding by a regulatory or disciplinary official or agency to investigate or prosecute charges alleging professional misconduct or ethical violations in the performance of Professional Services. Domestic Partner means any natural person granted legal status as a domestic partner under any applicable federal, state or local law or under the provisions of any formal program established by the Named Insured. Employment Practices means any actual or alleged: 1. Wrongful termination of the employment of, or demotion of, or failure or refusal to hire or promote any person in violation of law or in breach of any agreement to commence or continue employment; 2. Unlawful employment discrimination; 3. Sexual harassment of an employee or applicant for employment; or 4. Retaliatory treatment against an employee on account of that employee's exercise or attempted exercise of his or her rights under law. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 6 of 16 Equitable Relief means a remedy other than the payment of expenses or monetary Damages. Equitable Relief includes non-monetary relief and injunctive relief. Event Expenses means the reasonable fees and costs for public relations consulting services performed by a Crisis Management Firm, as a result of a Crisis Event. Extended Reporting Period means an additional period of time for reporting Claim(s) and Disciplinary Proceedings. Final Adjudication means a final judgment, or settlement entered into, terminating the litigation or administrative proceedings. Independent Contractor means a natural person who performs Professional Services on behalf of the Named Insured, subject to a written contract with, and at the direction and control of, the Named Insured. Insured, also referred to herein as You or Your, means the Named Insured and: 1. Any Predecessor Firm; 2. Any individual, who was, is or becomes an owner, partner, officer, director, shareholder, associate, paralegal, manager, member or employee of the Named Insured, solely while acting in a professional capacity on behalf of the Named Insured or a Predecessor Firm; 3. The Named Insured’s part-time, intern, temporary or leased employees, but only while acting on behalf of the Named Insured; 4. Your lawful spouse or Domestic Partner, solely for liability arising from any Wrongful Act of an Insured committed without the participation of such spouse or Domestic Partner; 5. Your heirs, assigns, and legal representatives in the event of Your death, incapacity or bankruptcy to the extent that You would have been covered; or 6. A past or present Independent Contractor or Of Counsel attorney, but solely while acting in such capacity on behalf of the Named Insured. Insured does not mean any title agency, title insurance company or any other entity on whose behalf an Insured acts as a title agent or designated issuing attorney, unless specifically scheduled as an Insured on this Policy. Loss means Claim Expenses, Damages and Defense Expenses and does not include Equitable Relief. Material Change means: 1. Any merger, acquisition, spin-off, dissolution or split involving the Named Insured; 2. If the Named Insured had 8 or more attorneys in Your last application provided to Us, any addition in attorney count of fifty percent (50%) or greater; 3. Any addition of an attorney who has had a claim or potential claim involving that attorney; 4. Any addition of an attorney who is or has been subject to any Disciplinary Proceeding, or has been reprimanded, censured, disbarred or prohibited from practicing law before any court or administrative agency; or 5. Financial impairment of the Named Insured, including but not limited to, the appointment of a receiver, conservator, liquidator, or trustee for the Named Insured, or if under the bankruptcy laws, the Named Insured has become a debtor in possession. Mediation means the non-binding intervention of a qualified neutral third party chosen by You and the other party to a Claim with agreement by Us. Named Insured means the sole proprietor, entity, partnership, or corporation designated on the Declarations page. Non-Profit Entity means a tax-exempt organization described in section 501(c)(3) of the Internal Revenue Code of 1986, as amended. Personal Injury means: 1. False arrest, detention or imprisonment; 2. Wrongful entry, eviction or other invasion of private occupancy; Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 7 of 16 3. Malicious prosecution; 4. Abuse of process; 5. The publication or utterance of libel, slander or other defamatory or disparaging material; or 6. A publication in violation of a person’s right of privacy. Policy means this policy form, the Declarations page, any endorsements to this Policy issued by Us, and Your application. Policy Period means the period from the inception date of this Policy to the Policy Termination Date. Policy Termination Date means the expiration date of this Policy as shown on the Declarations page, or the cancellation date of this Policy, whichever is earlier. Potential Claim means a Wrongful Act, or any facts or other circumstances, including a complaint or grievance, which may reasonably give rise to a Claim. Predecessor Firm means any law firm or legal entity that was engaged in Professional Services, is dissolved or inactive, and to whose assets and liabilities the Named Insured is the majority (more than 50%) successor in interest. Privacy Breach means: 1. Your failure to protect a Confidential Record, including a Cyber Attack on Your System, or the actions of a Rogue Employee, which directly results in the unauthorized disclosure of one or more Confidential Records; 2. The theft or negligent loss of hardware, Storage Media, System Output, Data or other documents owned or controlled by, or on behalf of, You on which Confidential Records are stored or recorded; 3. Your negligent failure to disclose an event referenced in 1. or 2. above in violation of any Breach Notice Law; or 4. Your negligent violation of any applicable federal, state, foreign or local privacy legislation or regulation in connection with any Claim. Professional Services means advice given or services performed for others for a fee, as a 1. Lawyer, mediator, collaborative lawyer, arbitrator, notary public, administrator, conservator, receiver, executor, guardian, trustee, or in any similar fiduciary capacity, but only if the services rendered are those ordinarily performed by a lawyer; 2. Law clerk, paralegal, legal secretary, notary public, or other legal support staff; 3. Title insurance agent, title abstractor (including providing title opinions or title certifications), title searcher, escrow agent, or closing agent; 4. Speaker, author of legal treatises, presenter of legal seminars, or lobbyist; 5. Expert witness only when retained to offer expert opinion on issues related to the law, legal procedures or practices, or the legal profession; 6. Member of a formal accreditation, ethics, peer review, licensing board, standards review, bar association or similar professional board or committee; and 7. Pro-bono services appointed by a court and pro-bono services on behalf of a Non-Profit Entity, in 1. and 2. above, performed with the prior written consent of the Named Insured. Professional Services does not mean: 8. Any activity as a Certified Public Accountant, Insurance Broker or Agent (other than a lawyer acting as a Title Insurance Agent), or Real Estate Broker or Agent. Property Damage means physical injury to, loss of, or destruction of tangible property, including the resulting loss of use thereof; or loss of use of tangible property which has not been physically injured or destroyed. Data is not tangible property. Retroactive Date refers to the date shown in Item 7. of the Declarations page. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 8 of 16 Rogue Employee means a permanent employee of the Named Insured who has gained Unauthorized Access, or has exceeded authorized access, to a System or Confidential Records owned or controlled by You or an entity that is authorized by You to hold, process or store Confidential Records for Your exclusive benefit. Security Breach means: 1. The failure or violation of the security of Your System, including the impairment or denial of access to Your System, a Cyber Attack, or unauthorized acts or omissions by a Rogue Employee which damages or harms Your System or the System of a third party with whom You provide services for a fee; 2. The theft or loss of hardware or Storage Media controlled by, or on behalf of, You on which Data is stored; or 3. The failure to disclose an event in 1. or 2. above which violates any Breach Notice Law. Storage Media means objects on which Data is stored so that it can be read, retrieved or processed by a Computer. Storage Media does not mean paper. Storage Media also does not mean money, financial instruments, or documents. Subpoena means a subpoena received by You for documents or testimony arising out of Your rendering of Professional Services provided that: 1. The subpoena arises out of a lawsuit to which You are not a party; and 2. You have not been engaged to provide advice or testimony in connection with the matter or have not provided such advice or testimony in the past. Subpoena Response Expenses means attorney fees incurred in response to a Subpoena to provide advice regarding the production of documents (excluding any fees to produce such documents), to prepare You for sworn testimony, and to represent You at depositions of You, by an attorney retained by Us. Suit means a civil proceeding for monetary, non-monetary or injunctive relief, which is commenced by service of a complaint or similar pleading. Suit includes a binding arbitration proceeding in which Damages are alleged, and to which You must submit or do submit with Our consent. Supplemental Coverage means coverages under Section A.3. Supplemental Coverage. Supplemental Coverage Matter means facts or other circumstances which are covered under Section A.3. Supplemental Coverage. System means a Computer, Storage Media and all input, output, processing storage and communication devices controlled, supervised or accessed by the operation systems that are proprietary to, or licensed to, the owner of the Computer. System Output means a tangible substance on which one or more Confidential Records are printed from a System. Total and Permanent Disability means a disability that wholly prevents rendering Professional Services, provided that such disability is reasonably expected to be continuous and permanent. Unauthorized Access means the use of or access to Systems by a person not authorized to do so by the Named Insured; or the use or access to Systems in a manner not authorized by the Named Insured. Wrongful Act and Wrongful Acts mean any actual or alleged negligent act, error, omission, misstatement, or Personal Injury in the rendering of or failure to render Your Professional Services. When a Claim is based upon or arises out of more than one Wrongful Act, the date of all such Wrongful Acts shall be deemed to be the date of the first such Wrongful Act, whether prior to or during the Policy Period. E. EXCLUSIONS 1. This Policy does not apply to Claim(s) or Supplemental Coverage Matter(s) based upon, arising out of, or in any way relating to, directly or indirectly: a. Conduct Any Insured committing any intentional, dishonest, criminal, malicious or fraudulent act or omission. However, We will defend Claims alleging any of the foregoing conduct until there is a judgment, Final Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 9 of 16 Adjudication, or finding of fact against, or adverse admission by, any of You as to such conduct at which time You shall reimburse Us for Claim Expenses. We shall not cover any Claim if You plead nolo contendere or no contest to a criminal proceeding against You arising out of the same, or essentially the same, material facts as such Claim; b. Unearned Personal Profit Any Insured gaining any profit, remuneration or advantage to which such Insured was not legally entitled; c. Non-Monetary Relief Any demand for Equitable Relief; d. Prior Notice Any Claim or Potential Claim which has been the subject of any notice given to Us, or any prior insurer, on any similar policy of which this Policy is a direct or indirect, renewal or replacement; e. ERISA Any actual or alleged violation of the responsibilities, obligations or duties imposed by the Employee Retirement Income Security Act of 1974, including amendments relating to the Consolidated Omnibus Budget Reconciliation Act of 1985 and the Health Insurance Portability and Accountability Act of 1996, all as amended, and any similar federal, state, local or common law or statutory law anywhere in the world, and any rules and regulations promulgated thereunder; f. Beneficiary or Distributee of Trust or Estate Any past or present lawyer, employee or other person affiliated with the Named Insured, or their spouse, as a beneficiary or distributee of any trust or estate; g. Bodily Injury or Property Damage Bodily Injury or Property Damage, however this exclusion 1.g. does not apply to Bodily Injury for mental anguish, emotional distress, mental injury, shock or humiliation, caused by Personal Injury, or Property Damage to client records which are in Your care, custody or control; h. Contract Liability You assume under any contract or agreement; however, this exclusion 1.h. does not apply to liability You would have in the absence of such contract or agreement; i. Misappropriation Any actual or alleged conversion, commingling, misappropriation, or improper use of funds, monies or property; or any inability or failure to safeguard or pay or collect any funds, notes, drafts, or other negotiable instruments, deposited in or payable from, any Insured’s or former Insured’s account, including an attorney trust account, or any resulting deficiency, overdraft or default; j. False Pretense Any transfer, payment or delivery of funds, money or property, by anyone, which was caused or induced by trick, artifice, or the misrepresentation of a fact including, but not limited to, funds transfer fraud, social engineering, computer fraud, pretexting, phishing, spear phishing or any other confidence trick; k. Investment Advice Any purchase, sale, or solicitation of an offer to purchase or sell, securities, real estate, or other investments, by an Insured; or any financial advice, investment advice, or referral regarding securities, real estate, or other investments, by an Insured; However this exclusion 1.k. does not apply to a court ordered sale of real estate for which the Insured engages a licensed real estate agent; l. Title Insurance Any defect in title of which any Insured had knowledge at the date of issuance of such title insurance; or Any breach of underwriting authority by any Insured regarding title insurance; Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 10 of 16 m. Related Entities Services rendered to or failed to be rendered to, or claims made by, any business enterprise, charitable organization, pension, welfare, profit sharing, mutual or investment fund, or any entity not named in the Declarations in which any past or present lawyer, employee or other person affiliated with the Named Insured: 1) Hold an interest of more than 15%, as a partner, member, principal or stockholder; 2) Are an employee, manager, officer, or director at any time Professional Services were rendered or failed to be rendered; or 3) Directly or indirectly control, operate or manage; However, this exclusion 1.m. does not apply to a Claim by a non-profit entity for which You are only an officer or director. n. Unwitnessed Notarization The actual or alleged notarization, certification or acknowledgment by an Insured of a signature, including electronic signatures, on a document when the Insured did not witness the signature being placed on the document. Compliance with all state requirements of the Insured’s applicable state for notarial acts using communication technology will be deemed to be witnessing the signature being placed on the document. o. Public Official Any Insured’s services or capacity as a public official or employee of a government body, subdivision or agency thereof, unless: 1) The Claim is brought by the government body, subdivision or agency thereof solely for rendering Professional Services to such governmental body, subdivision or agency on behalf of the Named Insured; or 2) The Insured is deemed to have such capacity solely by rendering Professional Services to such governmental body, subdivision or agency on behalf of the Named Insured; p. Common Office Space Professional Services rendered by, or failed to be rendered by, a lawyer, person or entity, with whom the Insured shares common office space, including but not limited to, theories of partnership by estoppel, apparent partnership, apparent agency, ostensible agency, vicarious liability or any similar theory, and who is not an Insured under this Policy; q. Discrimination and Sexual Misconduct 1) Any discrimination on any basis, including, but not limited to: race, creed, color, religion, ethnic background, national origin, age, handicap, disability, gender, sexual orientation or pregnancy, by an Insured; 2) Any actual or alleged sexual misconduct or sexual harassment by any past or present lawyer, employee or other person affiliated with the Named Insured, whether or not alleged to be consensual; or 3) Any Employment Practices by an Insured; or r. Unlicensed Practice of Law Professional Services rendered by, or failed to be rendered by, an Insured while that Insured’s license to practice law is suspended, revoked, surrendered or lapsed. 2. Network Security This Policy does not apply to Claim(s) or Supplemental Coverage Matter(s) based upon, arising out of, or in any way relating to, directly or indirectly: a. Controlling, creating, designing, or developing any third party’s Website; b. Controlling, creating, designing, developing, determining, or providing the content or material of any third party’s website, other than providing legal articles to a legal industry website; Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 11 of 16 c. Controlling, facilitating, providing, or failing to control, facilitate, or provide, access to the internet; d. Any infringement of, violation of, or assertion of, any right to or interest in any software, software source content or material Computer code, Computer source content or material or expression method, or process designed to control or facilitate any operation or other use of a Computer or automated system; or e. The failure of goods, products, or services to conform with any electronic, oral, written, or other representation or warranty with respect to durability, fitness, performance, quality or use. 3. Insured vs Insured This Policy does not apply to Claim(s) or Supplemental Coverage Matter(s) based upon, arising out of, or made by any past or present lawyer, employee or other person affiliated with the Named Insured against any Insured under this Policy, unless the Damages are solely for Professional Services rendered to such any past or present lawyer, employee or other person affiliated with the Named Insured, as a client of the Named Insured. F. EXTENDED REPORTING PERIODS 1. Automatic Extended Reporting Period You will be entitled to an automatic Extended Reporting Period for no additional premium. This extension is applicable to a Claim or Disciplinary Proceeding made against You during the Policy Period and reported to Us in writing during the sixty (60) days immediately following the Policy Termination Date. 2. Optional Extended Reporting Period If this Policy is cancelled, terminated or non-renewed, You shall have the right, upon payment of an additional premium, to an extension of the reporting period for any Claim or Disciplinary Proceeding against You first made and reported after the Policy Termination Date, provided the Claim is for a Wrongful Act, or the Disciplinary Proceeding is for a Professional Service wholly committed prior to the Policy Termination Date and otherwise covered by this Policy. a. The available optional Extended Reporting Period options and additional premium are determined in accordance with the rules, rates and rating plans We then have in effect in Your state. b. You must request the optional Extended Reporting Period in writing and must also pay Us the additional premium within sixty (60) days following the date of such cancellation, termination or non-renewal. If We do not receive both Your request and premium payment within sixty (60) days following the date of such cancellation, termination or nonrenewal, Your right to purchase the optional Extended Reporting Period will cease. c. If We cancel for non-payment of premium, the Named Insured may purchase the optional Extended Reporting Period only after any earned premium due Us is paid within ten (10) days after the Policy Termination Date. d. All premiums paid for an optional Extended Reporting Period shall be deemed fully earned as of the first day of the optional Extended Reporting Period. Once the premium for the optional Extended Reporting Period is paid, it may not be cancelled. 3. Individual Extended Reporting Period If You, who are an owner, partner, officer, director, shareholder, associate, manager, member or employee of the Named Insured, leave the Named Insured, You shall have the right, upon payment of an additional premium, to an individual Extended Reporting Period. The individual Extended Reporting Period provides an extension of the reporting period for a Claim or Disciplinary Proceeding first made against such individual Insured during the individual Extended Reporting Period and reported to Us during the individual Extended Reporting Period, provided the Claim is for a Wrongful Act, or the Disciplinary Proceeding is for a Professional Service, of such individual Insured wholly committed prior to the date You left the Named Insured, and otherwise covered by the Policy. The individual Extended Reporting Period provides no coverage to any other Insured, or the Named Insured, including any obligation of the Named Insured to indemnify such individual Insured. This individual Extended Reporting Period does not apply to Claims or Disciplinary Proceedings made during the Policy Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 12 of 16 Period, any subsequent renewal of this Policy, or any optional Extended Reporting Period that applies to this Policy or any renewal of this Policy, nor will it apply to Claims or Disciplinary Proceedings that are covered under any other subsequent insurance available to You, or that would be covered but for exhaustion of the amount of insurance applicable to such Claims or Disciplinary Proceedings. a. The available individual Extended Reporting Period options and additional premium are determined in accordance with the rules, rates and rating plans We then have in effect in Your state. b. You must request the individual Extended Reporting Period in writing, and must also pay Us the additional premium, within sixty (60) days following the date of Your leaving the Named Insured. If We do not receive both Your request and premium payment within sixty (60) days following the date of Your leaving the Named Insured, Your right to purchase the individual Extended Reporting Period will cease. The effective date of the individual Extended Reporting Period shall be the date of Your leaving the Named Insured. c. If We cancel for non-payment of premium (unless reinstated), the individual Extended Reporting Period is not available. d. All premiums paid for an individual Extended Reporting Period shall be deemed fully earned as of the first day of the individual Extended Reporting Period. Once the premium for the individual Extended Reporting Period is paid, it may not be cancelled. 4. Death or Disability Extended Reporting Period If, during the Policy Period, You, who are an owner, partner, officer, director, shareholder, associate, manager, member or employee of the Named Insured, die or sustain a Total and Permanent Disability and otherwise meet Our eligibility requirements, We will issue a death or disability Extended Reporting Period endorsement without additional charge. The death or disability Extended Reporting Period provides an extension of the reporting period for a Claim or Disciplinary Proceeding first made against You during the death or disability Extended Reporting Period and reported to Us during the death or disability Extended Reporting Period, provided the Claim is for a Wrongful Act, or the Disciplinary Proceeding is for a Professional Service, of such Insured but only for Wrongful Acts or Professional Services wholly committed prior to the date You die or sustain a Total and Permanent Disability, and otherwise covered by the Policy. The death or disability Extended Reporting Period expires when the executor or administrator of Your estate is discharged or Your Total and Permanent Disability ends. The death or disability Extended Reporting Period provides no coverage to any other Insured. Coverage only applies to the Named Insured, including any obligation of the Named Insured to indemnify You, if You are the Named Insured or a solo practitioner. You or Your estate must, as soon as practicable but no later than sixty (60) days after the Policy Termination Date, notify Us in writing if this coverage is desired. This death or disability Extended Reporting Period does not apply to Claims or Disciplinary Proceedings made during the Policy Period, any subsequent renewal of this Policy, or any optional Extended Reporting Period that applies to this Policy or any renewal of this Policy, nor will it apply to Claims or Disciplinary Proceedings that are covered under any other subsequent insurance available to You, or that would be covered but for exhaustion of the amount of insurance applicable to such Claims or Disciplinary Proceedings. We also require: a. Written proof of Your Total and Permanent Disability, including the date it happened, certified by Your attending physician. You agree to submit to medical examination(s) by any physician(s) We designate if requested; or b. Written proof of the date of Your death; and c. The death or disability was not caused by a self-inflicted injury, or misuse or abuse of any substance. 5. Retirement Extended Reporting Period If, during the Policy Period, You, who are an owner, partner, officer, director, shareholder, associate, manager, member or employee of the Named Insured, retire completely from rendering Professional Services, have been continuously insured by Us under a Professional Liability Insurance policy for the immediately preceding three (3) full years, and otherwise meet Our eligibility requirements, We will issue a retirement Extended Reporting Period endorsement without additional charge. The retirement Extended Reporting Period provides an extension of the reporting period for a Claim or Disciplinary Proceeding first made against You during the Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 13 of 16 retirement Extended Reporting Period and reported to Us during the retirement Extended Reporting Period, provided the Claim is for a Wrongful Act, or the Disciplinary Proceeding is for a Professional Service, of such Insured but only for Wrongful Acts or Professional Services wholly committed prior to the date You retired from the Named Insured, and otherwise covered by the Policy. The retirement Extended Reporting Period provides no coverage to any other Insured. Coverage only applies to the Named Insured, including any obligation of the Named Insured to indemnify You, if You are the Named Insured or a solo practitioner. You must, within sixty (60) days after the Policy Termination Date, notify Us in writing if this coverage is desired. This retirement Extended Reporting Period does not apply to Claims or Disciplinary Proceedings made during the Policy Period, any subsequent renewal of this Policy, or any optional Extended Reporting Period that applies to this Policy or any renewal of this Policy, nor will it apply to Claims or Disciplinary Proceedings that are covered under any other subsequent insurance available to You, or that would be covered but for exhaustion of the amount of insurance applicable to such Claims or Disciplinary Proceeding. We also require that: a. You are fifty-five (55) years of age or older; and b. Your Policy was not cancelled (unless reinstated) for non-payment of premium. The retirement Extended Reporting Period expires when You resume rendering Professional Services, other than pro bono services on behalf of a Non-Profit Entity. Pro bono services do not include services that are compensated in any way. Compensation includes free office space, health care and other benefits. 6. Additional Conditions for Extended Reporting Periods a. If You are subject to threatened, pending or actual disciplinary action, including the loss, suspension, revocation or surrender of their license, the Extended Reporting Periods outlined in paragraphs 3., 4., and 5. above are not available for You. If You are the Named Insured or a solo practitioner, the Extended Reporting Periods outlined in paragraphs 1., 2., 3., 4., and 5. above are not available. b. If there is other insurance in effect on or after the Extended Reporting Period inception date which covers You for the liability or Claim, then that other insurance shall render the Extended Reporting Period inapplicable, even though the Limits of Liability of the other insurance may be inadequate to pay all Loss or Claims. c. The Extended Reporting Periods do not extend the Policy Period or change the scope of coverage provided. There are no separate, additional or reinstated limits of liability for the Extended Reporting Periods. G. DUTIES IN THE EVENT OF CLAIM(S), POTENTIAL CLAIM(S), OR SUPPLEMENTAL COVERAGE MATTER(S) 1. If You receive a Claim or Disciplinary Proceeding, You must provide Us written notice of the Claim or Disciplinary Proceeding, with full details including the date received, as soon as practicable, but in no event later than sixty (60) days after the Policy Termination Date or during an Extended Reporting Period. 2. No Insured will, except at that Insured’s own cost, voluntarily make a payment, assume any obligation, agree to a settlement or incur any expense related to a Claim without Our consent. 3. If You become aware of a Potential Claim, You must provide Us written notice as soon as practicable, but in no event later than the Policy Termination Date. To the extent possible notice should include: a. Where the Wrongful Act took place and any facts or circumstance concerning the Wrongful Act; and b. The names and addresses of any persons and entities involved; and c. The reasons why the Potential Claim may reasonably be expected to give rise to a Claim. 4. Any Claim arising out of the Potential Claim which is subsequently made against You shall be deemed to have been first made at the time We received such written notice from You, if We receive proper notice of the Potential Claim according to paragraph 3. above. 5. If You receive a Supplemental Coverage Matter, You must provide Us with written notice of the Supplemental Coverage Matter, with full details, including the date received, as soon as practicable, but in no event later than the Policy Termination Date. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 14 of 16 6. You and any other involved Insured must: a. Immediately send Us copies of any demands, notices, summonses or legal papers received in connection with the Claim or Disciplinary Proceeding, Potential Claim or Supplemental Coverage Matter; b. Authorize Us to obtain records and other information; c. Cooperate with Us in the investigation, defense or settlement of the Claim or Disciplinary Proceeding, Potential Claim or Supplemental Coverage Matter; and d. Assist Us, upon Our request, in the enforcement of any right against any person or entity which may be liable to You because of Damages to which this insurance may apply. The date of mailing shall constitute the date that such notice was given, and proof of mailing shall be sufficient proof of notice. H. CONDITIONS 1. Cancellation and Non-Renewal a. We may cancel this Policy by written notice to the Named Insured. We will provide written notice at least sixty (60) days before cancellation is to be effective, however if We cancel for failure to pay premium when due, We will give ten (10) days written notice to the Named Insured before such cancellation is effective. Regardless of the reason for cancellation, return of unearned premium shall be calculated on a prorata basis. b. The Named Insured may cancel this Policy by written notice to Us stating when thereafter the cancellation shall be effective. If this Policy is cancelled, earned premium shall be calculated on a pro rata basis. c. We are not required to renew this Policy. However, written notice of Our intent to non-renew this Policy shall be sent to the Named Insured at least sixty (60) days prior to expiration of the Policy Period. 2. Representations and Application By accepting this Policy, all of You agree that: a. The statements in the Declarations are accurate and complete; b. Those statements are based on representations You made to Us in Your application for this insurance Policy, or to Us for a policy of which this Policy is a renewal or replacement; c. The representations made in Your application are the basis of this Policy and are to be considered as incorporated into and constituting a part of this Policy; d. Those representations are material to the acceptance of the risk We assumed under this Policy; and e. We have issued this Policy in reliance upon the accuracy and completeness of such representations. 3. Legal Action Against Us No person or entity has a right under this Policy to: a. Join Us as a party or otherwise bring Us into a Suit asking for Damages from an Insured; or b. Sue Us on this Policy unless all of its terms have been fully complied with. A person or entity may sue Us to recover on an agreed settlement or on a final judgment against an Insured, but We will not be liable for Damages that are not payable under the terms of this Policy or that are in excess of the applicable Limit of Liability. An agreed settlement means a settlement and release of liability signed by Us, the Insured, and the claimant or the claimant’s legal representative. 4. Material Change If a Material Change occurs during the Policy Period, You must notify Us as soon as practicable, but not later than thirty (30) days after the effective date of the Material Change. You shall provide such additional information, pay any additional premium and agree to any amendment of the provisions of this Policy as We require. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 15 of 16 If You fail to meet the conditions described above, coverage under this Policy shall continue until termination of the Policy Period, but only with respect to Claims for Wrongful Acts which took place wholly prior to the Material Change. 5. Transfer of Rights of Recovery Against Others to Us If You have rights to recover all or part of any payment We have made under this Policy, these rights are transferred to Us. You must do nothing to impair Our rights to seek or obtain recovery from others. At Our request, You will sue those responsible or transfer those rights to Us and help Us enforce them. In the event of any payment under this Policy, We will be subrogated to the extent of such payment to all of Your rights of recovery. You will execute and deliver such instruments and papers and do whatever else is necessary to secure such rights and will do nothing to prejudice or compromise such rights without Our express written consent. 6. Assignment No change in, modification of, or assignment of interest in this Policy will be effective except when made by a written endorsement to the Policy. 7. Sole Agent for the Insured By accepting this Policy, all of You agree that only the Named Insured is authorized to act as the sole agent on behalf of all of You with respect to the following: effecting or accepting notices under this Policy, amendments to or cancellations of this Policy, completing of any application, making of statements representation and warranties, consenting to settlement or releasing rights under this Policy, payment of premiums, receiving return premiums, requesting any Extended Reporting Period and agreeing to any changes in this insurance Policy. Each of You agrees that the Named Insured will act on its or their behalf with respect to such matters. 8. Coverage Territory and Valuation a. This Policy applies to a Wrongful Act committed anywhere in the world provided that the Claim or Supplemental Coverage Matter is made and Suit is brought against You within the United States, its territories or possessions or Canada. b. All premiums, limits, deductibles and other amounts are expressed and payable in the currency of the United States of America. If a judgment is rendered, a settlement is denominated or another element of Loss under this Policy is stated in a currency other than the United States of America dollars, payment under this Policy will be made in United States of America dollar equivalent determined by the rate of exchange published in the Wall Street Journal on the date the judgment becomes final, the amount of the settlement is agreed upon or any element of Loss is due, respectively. 9. Other Insurance a. If other valid and collectible insurance is available to You for Loss covered under this Policy, the insurance provided by this Policy will be excess over such other insurance, regardless of whether or not such insurance is primary, contributory, excess, contingent or otherwise. This condition will not apply to insurance specifically purchased as excess over this Policy. b. When this insurance is excess, We have no duty to defend You against any Claim if any other Insurer has a duty to defend You against the Claim. If no other insurer defends You, We will undertake to do so but We will be entitled to Your rights against those other insurers. c. When this insurance is excess over other insurance, We will pay only Our share of the amount of Loss, if any, that exceeds the sum of: 1) The total amount that all such other insurance would pay for the Loss in the absence of this insurance; and 2) The total of all deductibles, self-insurance and retentions under all other insurance. We will share the remaining Loss, if any, with any other insurance that is not described in this provision and was not bought specifically to apply in excess of the Limit of Liability shown on the Declarations of this Policy. d. When We share any Loss with any other insurance, if all the other insurance permits contribution by equal shares, We will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable Limit of Liability or none of the Loss remains, whichever comes first. Lawyers Advantage Professional Liability Insurance 913-1001 01/21 © 2021 The Hanover Insurance Company. All Rights Reserved. Page 16 of 16 If any other insurance does not permit contribution by equal shares, We will contribute by limits. Under this method, each insurer’s share is based on the ratio of its applicable Limit of Liability to the total applicable limits of liability of all insurers. 10. Two or More Policies, Coverage Parts, or Endorsements Issued by Us It is Our stated intention that this Policy and any other policy, coverage part or endorsement issued by Us, or by any company of The Hanover Insurance Group, shall not provide duplicate or overlapping coverage for the same Claim or Supplemental Coverage Matter. If this Policy and any other policy issued by Us, or by any company of The Hanover Insurance Group, to You apply to the same Claim or Supplemental Coverage Matter then, Condition 9. Other Insurance notwithstanding: a. We shall not be liable under this Policy for a greater proportion of the Loss than the applicable Limit of Liability of this Policy bears to the sum of the total limits of liability of all such policies; and b. The maximum amount payable under all such policies combined shall not exceed the highest applicable Limit of Liability under any one policy. 11. Conformance to Law and Trade Sanctions Coverage under this Policy does not apply to the extent trade, economic sanction, insurance or other laws or regulations prohibit Us from providing insurance. The terms of this Policy which are in conflict with the statutes of the state in which this Policy is issued are amended to conform to those statutes. 12. Section Titles The titling of sections and paragraphs within this Policy is for convenience only and is not to be interpreted as a term or condition of this Policy. 13. Bankruptcy You or Your estate’s bankruptcy or insolvency does not relieve Us of Our obligations under this Policy. 14. Liberalization If We adopt any revisions to the terms and conditions of this policy form to provide more coverage without an additional premium charge during the Policy term, the broadened coverage will immediately apply. However, the broadened terms and conditions will not apply to any Claims or Supplemental Coverage Matters that were first made against You prior to the effective date of the revision. 401-1333 PHN 01/20 Page 1 of 1 IMPORTANT POLICYHOLDER INFORMATION RISK MANAGEMENT RESOURCES We are pleased to direct you to the following Risk Management Resources, which are available to you free of charge. As a first line of defense in helping to manage your risk exposure, we recommend that you visit the Hanover Risk Management Portal. The Portal has an excellent compendium of materials designed to help you manage your practice, avoid risk and better understand professional liability insurance coverage. The Portal is updated regularly to ensure policyholders are receiving the most relevant articles and the appropriate tools needed to be prepared against risk in this ever-changing environment. • Go to www.HanoverProRisk.com • Register as a Hanover Policyholder for access to all materials You can also call our Risk Management Hotline: 1-866-512-9953 Press #2 for Lawyers Press #4 for Architects & Engineers Our Professional Liability Risk Management Hotline is staffed by professionals with years of experience working with Lawyers and are familiar with the day-to-day business and risk management issues for our policyholders. For Architects and Engineers customers, our Risk Management experts can also provide you with personalized contract review services. The Hotline is a resource for discussing problems and questions that can arise about best practices and potential claims. Calls placed during business hours are returned within one business day. If you have other questions, you can also call our Director of Risk Management: Gawain Charlton-Perrin, Esq. Hanover Insurance Group Director of Risk Management Professional Liability 630-379-6068 GcharltonPe@Hanover.com As a reminder, whenever you become aware of a claim or suit, or circumstances that may result in a claim, you should immediately give notice to Hanover via our online reporting site, call 1-800-628-0250, or email at ProClaim@Hanover.com. POLICYHOLDER NOTICE 913-1800 PHN 01/21 Page 1 of 1 U.S. Treasury Department’s Office of Foreign Assets Control (”OFAC”) Advisory Notice To Policyholders No coverage is provided by this policyholder notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this notice carefully. The Office of Foreign Assets Control (“OFAC”) administers and enforces sanctions policy, based on Presidential Declarations of National Emergency. OFAC has identified and listed numerous foreign agents, front organizations, terrorists, terrorists organizations, and narcotic traffickers as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site: http//www.treas.gov/ofac. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated United States sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. POLICYHOLDER NOTICE 913-1801 PHN 05/21 Page 1 of 3 CUSTOMER NOTICE OF PRIVACY POLICY AND PRODUCER COMPENSATION PRACTICES DISCLOSURES—PRIVACY POLICY DISCLOSURE Collection of Information We collect personal information so that we may offer quality products and services. This information may include, but is not limited to, name, address, Social Security number, and consumer reports from consumer reporting agencies in connection with your application for insurance or any renewal of insurance. For example, we may access driving records, insurance scores or health information. Our information sources will differ depending on your state and/or the product or service we are providing to you. This information may be collected directly from you and/or from affiliated companies, non-affiliated third parties, consumer reporting agencies, medical providers and third parties such as the Medical Information Bureau. We, and the third parties we partner with, may track some of the web pages you visit through cookies, pixel tagging or other technologies. We currently do not process or comply with any web browser’s “do not track” signals or similar mechanisms that request us to take steps to disable online tracking. For additional information regarding online privacy, please see our online privacy statement, located at www.hanover.com. Disclosure of Information We may disclose non-public, personal information you provide, as required to conduct our business and as permitted or required by law. We may share information with our insurance company affiliates or with third parties that assist us in processing and servicing your account. We also may share your information with regulatory or law enforcement agencies, reinsurers and others, as permitted or required by law. Our insurance companies may share information with their affiliates, but will not share information with non-affiliated third parties who would use the information to market products or services to you. Our standards for disclosure apply to all of our current and former customers. Safeguards to Protect Your Personal Information We recognize the need to prevent unauthorized access to the information we collect, including information held in an electronic format on our computer systems. We maintain physical, electronic and procedural safeguards intended to protect the confidentiality and integrity of all non-public, personal information, including but not limited to social security numbers, driver’s license numbers and other personally identifiable information. Internal Access to Information Access to personal, non-public information is limited to those people who need the information to provide our customers with products or services. These people are expected to protect this information from inappropriate access, disclosure and modification. Consumer Reports In some cases, we may obtain a consumer report in connection with an application for insurance. Depending on the type of policy, a consumer report may include information about you or your business, such as: • character, general reputation, personal characteristics, mode of living; • credit history, driving record (including records of any operators who will be insured under the policy); and/or • an appraisal of your dwelling or place of business that may include photos and comments on its general condition. POLICYHOLDER NOTICE 913-1801 PHN 05/21 Page 2 of 3 Access to Information Upon written request, we will inform you if we have ordered an investigative consumer report. You have the right to make a written request within a reasonable period for information concerning the nature and scope of the report and to be interviewed as part of its preparation. You may obtain a copy of the report from the reporting agency and, under certain circumstances, you may be entitled to a copy at no cost. You also may review certain information we have about you or your business in our files. To review information we maintain in our files about you or your business, please write to us, providing your complete name, address and policy number(s), and indicating specifically what you would like to see. If you request actual copies of your file, there may be a nominal charge. We will tell you to whom we have disclosed the information within the two years prior to your request. If there is not a record indicating that the information was provided to another party, we will tell you to whom such information is normally disclosed. There is information that we cannot share with you. This may include information collected in order to evaluate a claim under an insurance policy, when the possibility of a lawsuit exists. It may also include medical information that we would have to forward to a licensed medical doctor of your choosing so that it may be properly explained. Correction of Information If after reviewing your file you believe information is incorrect, please write to the consumer reporting agency or to us, whichever is applicable, explaining your position. The information in question will be investigated. If appropriate, corrections will be made to your file and the parties to whom the incorrect information was disclosed, if any, will be notified. However, if the investigation substantiates the information in the file, you will be notified of the reasons why the file will not be changed. If you are not satisfied with the evaluation, you have the right to place a statement in the file explaining why you believe the information is incorrect. We also will send a copy of your statement to the parties, if any, to whom we previously disclosed the information and include it in any future disclosures. Our Commitment to Privacy In the insurance and financial services business, lasting relationships are built upon mutual respect and trust. With that in mind, we will periodically review and revise our privacy policy and procedures to ensure that we remain compliant with all state and federal requirements. If any provision of our privacy policy is found to be non-compliant, then that provision will be modified to reflect the appropriate state or federal requirement. If any modifications are made, all remaining provisions of this privacy policy will remain in effect. For more detailed information about our customer privacy policy (including any applicable state-specific policies) and our online privacy statement, visit our Web site, located at www.hanover.com. Further Information If you have questions about our customer privacy policy (including any applicable state-specific policies) or our online privacy statement, or if you would like to request information we have on file, please write to us at our Privacy Office, N435, The Hanover Insurance Group, Inc., 440 Lincoln Street, Worcester, MA 01653. Please provide your complete name, address and policy number(s). A copy of our Producer Compensation Disclosure is also available upon written request addressed to the attention of the Corporate Secretary, N435, The Hanover Insurance Group, 440 Lincoln Street, Worcester, MA 01653. Producer Compensation Disclosure Our products are sold through independent agents and brokers, often referred to as “Producers.” We may pay Producers a fixed commission for placing and renewing business with our company. We may also pay additional commission and other forms of compensation and incentives to Producers who place and maintain their business with us. Details of our Producer compensation practices may be found at www.hanover.com. This notice is being provided on behalf of the following Hanover Companies: The Hanover Insurance Group, Inc. - Allmerica Financial Alliance Insurance Company - Allmerica Financial Benefit Insurance Company - Allmerica Plus Insurance Agency, Inc. - Citizens Insurance Company of America - Citizens Insurance Company of Illinois - Citizens Insurance Company of POLICYHOLDER NOTICE 913-1801 PHN 05/21 Page 3 of 3 the Midwest - Citizens Insurance Company of Ohio - AIX Insurance Services of California, Inc.- Campmed Casualty & Indemnity Company, Inc. - Educators Insurance Agency, Inc.- Hanover Specialty Insurance Brokers, Inc. - The Hanover American Insurance Company – The Hanover Atlantic Insurance Company Ltd. – The Hanover Casualty Company - The Hanover Insurance Company - The Hanover New Jersey Insurance Company - The Hanover National Insurance Company - Massachusetts Bay Insurance Company - Opus Investment Management, Inc. - Verlan Fire Insurance Company - NOVA Casualty Company - AIX Specialty Insurance Company. 913-1817 PHN 08 24 Page 1 of 1 CLAIM REPORTING GUIDELINES At Hanover Professionals, we are committed to providing timely and efficient claims assistance to our Insureds. Please follow these guidelines to help us help you. Notice of a Claim Report a claim to Hanover Professionals online, by email, or facsimile as soon as possible to provide timely notice as required by your Hanover Policy. Online claim reporting: www.hanover.com/claims/claims-services/report-claim You may also contact us directly by email at proclaim@hanover.com, phone 800-628-0250 (ext.8556281), or fax 508-635-1868 Claims Requiring Expedited Handling Some claims are time sensitive. Please report such claims as soon as you become aware of them, and while allowing sufficient time for the carrier to investigate and meaningfully respond. Do not wait until the eve of the response deadline as it threatens our ability to timely respond. Those items include, but are not limited to: ✓ You have been served with a summons and complaint ✓ You received a demand from a Claimant which expires on a date certain ✓ You received notice of a proceeding requiring an immediate answer or an answer within a limited timeframe Correspondence We Need From You Please provide a written narrative of the circumstances surrounding the claim or potential claim. The narrative should include: ✓ The Named Insured ✓ The Insureds (i.e., the lawyers involved in the professional services issue), your policy number, and effective date of coverage ✓ The client (Claimant’s) name, address, and telephone number (also include the name, address, and telephone number of the Claimant’s attorney) ✓ The timeframe in which you provided professional services to the Claimant ✓ Whether your relationship with the Claimant is ongoing or has been terminated ✓ A brief summary of the services rendered ✓ The date the error (alleged error) occurred ✓ A brief summary of the alleged (potential) error—please include the date you first became aware of the claim and the potential amount of damages that will be sought ✓ All pertinent letters or documents necessary for us to properly evaluate the claim (if there are numerous documents, please note this and provide those most pertinent) POLICYHOLDER NOTICE 913-1818 PHN 01/21 Page 1 of 1 INFORMATION REGARDING EXTENDED REPORTING PERIOD ENDORSEMENT("ERP COVERAGE") The enclosed policy provides coverage for claims reported during the policy period. Subject to the policy's terms and conditions, your firm and/or each of the individual firm members may purchase an Extended Reporting Period Endorsement, also known as "ERP coverage", that will extend the time for reporting claims arising out of professional services rendered while the policy was still in effect although the policy may have been cancelled or non-renewed, or when a firm member leaves the firm or the practice of law. Please refer to Section F. of your policy for the terms and conditions for eligibility, purchasing or obtaining an Extended Reporting Period endorsement. There is a limited time for requesting such an endorsement. The premium charged for the endorsement is expressed as a factor of your policy's annual premium. Length of "ERP Coverage" Offered "ERP Coverage" Premium 12 months coverage 24 months coverage 36 months coverage 60 months coverage 84 months coverage Unlimited coverage 1.00 of last annual premium 1.50 of last annual premium 1.75 of last annual premium 2.00 of last annual premium 2.50 of last annual premium 3.00 of last annual premium *Extended Reporting Period Endorsements may be subject to state regulatory requirements. Please contact your agent or customer service representative for pricing specific to your situation and location. POLICYHOLDER NOTICE 913-1825 PHN 11/19 Page 1 of 1 IMPORTANT POLICYHOLDER INFORMATION CYBER PRIVACY AND SECURITY RISK MANAGEMENT RESOURCES We are pleased to provide our policyholders with access to the eRisk Hub®, powered by NetDiligence®. The eRisk Hub is a private web-based portal containing information and technical resources that can assist you in the prevention of network, cyber and privacy breaches and support you in the timely reporting and recovery of losses if an incident occurs. The eRisk Hub features news, content and services from leading practitioners in risk management, computer forensics, forensic accounting, crisis communications, legal counsel, and other highly-specialized segments of cyber risk. Please note the following: 1. The eRisk Hub portal is a private site for policyholders of The Hanover Group only. Please do not share portal access instructions with anyone outside your organization. You are responsible for maintaining the confidentiality of the Access Code provided to you. 2. Up to three individuals from your organization may register and use the portal. Ideal candidates include your company’s Risk Manager, Compliance Manager, Privacy Officer, IT Operations Manager or Legal Counsel. 3. This portal contains a directory of experienced providers of cyber risk management and breach recovery services. Hanover does not endorse these companies or their respective services. Before you engage any of these companies, we urge you to conduct your own due diligence to ensure the companies and their services meet your needs. Unless otherwise indicated or approved, payment for services provided by these companies is your responsibility. 4. Should you experience a data breach event, you may choose to call the Breach Coach® listed in the portal for immediate triage assistance. Your initial consultation is free of charge. Please be aware that the Breach Coach service is provided by a third-party law firm. Therefore, contacting the Breach Coach does NOT satisfy the claim notification requirements of your policy. To register for the Hanover eRisk Hub: 1. Go to https://www.eriskhub.com/hanover.php. 2. Complete the New User Registration form in the center of the webpage. Create your own User ID and password. Enter 14014 in the Access Code field. 3. Once you’ve completed registration, you can login immediately by entering the User ID and password you just created in the Member Login box in the top right corner of the screen. Please note that the independent risk management services offered by eRisk Hub powered by NetDilgence are accessible to you as a Policyholder of The Hanover Insurance Company or one of its subsidiaries and affiliates. The Hanover is independent from NetDilgence and depending on the terms, conditions, and exclusions of your Hanover policy, may not be responsible for any fees or charges you may incur for services or products which may be offered to you by NetDiligence, eRisk Hub, or for which you may contract with any provider listed in eRisk Hub. Under no circumstances should the recommendations, services or products of eRisk Hub be construed as recommendations, services or products of The Hanover Insurance Group, Inc. By making this service accessible to you, The Hanover does not assume (and specifically disclaims) any duty, undertaking or responsibility to you regarding the kidnap response and risk management services of eRisk Hub and Net Diligence. 913-1843 PHN 08 24 Page 1 of 1 IMPORTANT POLICYHOLDER INFORMATION RISK MANAGEMENT RESOURCES We are pleased to direct you to the following Risk Management Resources, which are available to you free of charge. As a first line of defense in helping to manage your risk exposure, we recommend that you visit the Hanover Risk Management Portal. The Portal has an excellent compendium of materials designed to help you manage your practice, avoid risk, and better understand professional liability insurance coverage. The Portal is updated regularly to ensure policyholders are receiving the most relevant articles and the appropriate tools needed to be prepared against risk in this ever-changing environment. • Go to www.HanoverProRisk.com • Register as a Hanover Policyholder for access to all materials You can also call our Risk Management Hotline: 1-866-512-9953 Press #2 for Lawyers Our Professional Liability Risk Management Hotline is staffed by professionals with years of experience working with Lawyers and are familiar with the day-to-day business and risk management issues for our policyholders. The Hotline is a resource for discussing problems and questions that can arise about best practices and potential claims. Calls placed during business hours are returned within one business day. As a reminder, whenever you become aware of a claim or suit, or circumstances that may result in a claim, you should immediately give notice to Hanover via one of the following options: • Online claim reporting: https://www.hanover.com/claims/claims-services/report-claim • Call 1-800-628-0250 • Email us at ProClaim@Hanover.com Coverage: Lawyers Advantage Professional Liability Endorsement Number: 1 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 All other terms and conditions remain unchanged. The title and any headings in this endorsement are solely for convenience and form no part of the terms and conditions of coverage. 913-1011 01/21 Page 1 of 1 Endorsement SCHEDULE OF FORMS To be attached to and form part of the Policy Number listed above. 913-1002 01/21 LPL Declarations 913-1001 01/21 LPL Advantage Base Policy Form 401-1333 PHN 01/20 Important Policyholder Information Risk Management Resources 913-1800 PHN 01/21 OFAC Policyholder Notice 913-1801 PHN 05/21 Privacy Notice 913-1817 PHN 08/24 Claim Reporting Guidelines 913-1818 PHN 01/21 ERP Policyholder Notice 913-1825 PHN 11/19 Cyber Risk Management Resources Policyholder Notice 913-1843 PHN 08/24 Important Policyholder Information Risk Management Resources 913-1011 01/21 Schedule Of Forms 913-1016 01/21 Insured Specified Retroactive Date 913-1102 01/21 Employment Practices Defense Expense 913-1109 01/21 Professional Liability Enhancements 913-1501 01/21 Mutual Choice of Legal Counsel 913-1609 01/21 Washington State Amendatory Endorsement Coverage: Lawyers Advantage Professional Liability Endorsement Number: 1 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 913-1016 01/21 Page 1 of 1 Endorsement INSURED SPECIFIED RETROACTIVE DATE In consideration of the premium charged it is agreed that: Section A. Coverage is amended to include: The following additional requirements and limitations shall apply to coverage provided under this Policy: The Wrongful Act and Professional Services in any way involving, in whole or in part, the Insured shown in the schedule below must have first occurred on or after the applicable Specified Date in the schedule below. Insured Specified Date Todd Yelish 09/24/2014 Laura Yelish 07/01/2019 Allyson Barker 04/01/2023 Kathleen Schultz 11/01/2023 Lindsay Rae Serbousek 10/17/2023 Felicia Schumacher 02/01/2022 Sean Makarin 11/27/2023 Caleb Cunningham 10/24/2024 Brooklyn Stenstrom 11/01/2024 Sarah Smith 11/01/2024 All other terms and conditions remain unchanged. The title and any headings in this endorsement are solely for convenience and form no part of the terms and conditions of coverage. Coverage: Lawyers Advantage Professional Liability Endorsement Number: 2 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 913-1102 01/21 Page 1 of 1 Endorsement EMPLOYMENT PRACTICES DEFENSE EXPENSE In consideration of the premium charged it is agreed that: A. Item 6. of the Declarations page is amended to include: Supplemental Coverage Limit Deductible Employment Practices Defense $10,000 in the Aggregate $0 B. Section A.3. Supplemental Coverage is amended to include: Employment Practices Defense We will pay on Your behalf only Defense Expenses incurred in responding to a Claim made against You for Employment Practices, solely while acting on behalf of the Named Insured or any Predecessor Firm. There will be no Extended Reporting Period for the coverage provided in this section. C. For purposes of coverage provided by this endorsement, Section D. Definitions, the definition of Employment Practices is deleted and replaced by: Employment Practices means any actual or alleged: 1. Wrongful termination of the employment of, or demotion of, or failure or refusal to hire or promote any person in violation of law or in breach of any agreement to commence or continue employment; 2. Unlawful employment discrimination; 3. Sexual harassment of an employee or applicant for employment; or 4. Retaliatory treatment against an employee on account of that employee's exercise or attempted exercise of his or her rights under law. Employment Practices does not include any labor or grievance arbitration, or other proceeding pursuant to a collective bargaining agreement, unemployment or wage/hour violation. D. For purposes of coverage provided by this endorsement, Sections E. Exclusions, paragraphs E.1.q.3) and E.3. do not apply. E. Section E. Exclusions is amended to include: This Policy does not apply to Claim(s) or Supplemental Coverage Matter(s) based upon, arising out of, or in any way related to, directly or indirectly, ownership of the Named Insured or any Predecessor Firm. All other terms and conditions remain unchanged. The title and any headings in this endorsement are solely for convenience and form no part of the terms and conditions of coverage Coverage: Lawyers Advantage Professional Liability Endorsement Number: 3 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 913-1109 01/21 Page 1 of 3 Endorsement PROFESSIONAL LIABILITY ENHANCEMENTS In consideration of the premium charged it is agreed that: A. Item 6. of the Declarations page is amended to include: Supplemental Coverage Limit Deductible Cancelled Conferences $25,000 for each Policy Period $0 Counseling Support $ 5,000 for each Claim; not to exceed $ 5,000 for all Claims in the aggregate $0 Emergency Web Hosting $500 for each Policy Period $0 Pet Boarding $500 for each Claim; not to exceed $500 for all Claims in the aggregate $0 Real Estate Emergency Consulting $50,000 for each Policy Period $0 Replacement of Key Officers $50,000 or ten (10) times the annual premium paid for this Policy, whichever is lesser, for each Policy Period $0 Temporary Meeting Space $25,000 for each Policy Period $0 Travel Disruption Due to Terrorism $50,000 for each Policy Period $0 Workplace Violence Counseling $50,000 for each Policy Period $0 B. Section A.3. Supplemental Coverage is amended to include: Cancelled Conferences We will reimburse You for any business-related conference expenses, paid by the Named Insured and not otherwise reimbursed, for a cancelled conference that an employee was scheduled to attend. The cancellation must be due directly to a Natural Catastrophe or a Communicable Disease outbreak that forces the cancellation of the conference. It is further agreed as follows: 1) The employee must have registered for the conference at least thirty (30) days prior to the cancellation; and 2) The cancellation must be ordered by a local, state or federal Board of Health or other governmental authority having jurisdiction over the location of the conference. Coverage: Lawyers Advantage Professional Liability Endorsement Number: 3 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 913-1109 01/21 Page 2 of 3 Endorsement Counseling Support We will reimburse You for emotional counseling expenses incurred by an Insured directly as a result of a Claim made against you during the Policy Period. The emotional counseling expenses incurred must have been for Insureds directly involved in the Claim. Emergency Web Hosting We will reimburse You for emergency web hosting fees necessitated by the Named Insured’s need to relocate web hosting due to the Unforeseeable Destruction of the Principal Location during the Policy Period. Coverage will exist only for web hosting required for a web site. Pet Boarding We will reimburse You up to $50 per day for an individual Insured for reasonable pet boarding expenses incurred for attendance at hearings, trials, mediations, arbitrations or depositions, at Our request or with Our consent, by such Insured. Real Estate Emergency Consulting We will reimburse You for a real estate agent’s fee or real estate consultant’s fee necessitated by the Named Insured’s need to relocate due to the Unforeseeable Destruction of the Principal Location during the Policy Period. Replacement of Key Officers We will reimburse You for Expenses for Replacement of Key Officers if the chief executive officer, president, managing partner or managing member suffers an Injury during the Policy Period which results in the loss of life during the Policy Period. Temporary Meeting Space We will reimburse You for rental of meeting space which is required by the temporary unavailability of the Principal Location due to the failure of a climate control system, or leakage of a hot water heater during the Policy Period. Reimbursement is only provided for the renting of temporary meeting space required for meeting with parties who are not insured under this policy. Travel Disruption Due to Terrorism We will reimburse an individual Named Insured, or current principal, partner, director or officer of the Named Insured, for Emergency Travel Expenses required due to a Certified Act of Terrorism during the Policy Period. Workplace Violence Counseling We will reimburse You for emotional counseling expenses incurred directly as a result of Workplace Violence during the Policy Period. The emotional counseling expenses incurred must have been for: 1) Insureds who were victims of, or witnesses to, Workplace Violence; 2) The spouse or Domestic Partner of Insureds who were victims of, or witnesses to, Workplace Violence; and 3) Any client who directly witnessed Workplace Violence. Coverage: Lawyers Advantage Professional Liability Endorsement Number: 3 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 913-1109 01/21 Page 3 of 3 Endorsement C. Section D. Definitions is amended to include: Certified Act of Terrorism means an act that is certified by the Secretary of the Treasury, in consultation with the Secretary of Homeland Security and the Attorney General of the United States, to be an act of terrorism pursuant to the Federal Terrorism Risk Insurance Act. The Federal Terrorism Risk Insurance Act sets forth the following criteria for a Certified Act of Terrorism: 1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Federal Terrorism Risk Insurance Act; and 2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. Communicable Disease means an illness, sickness, condition or an interruption or disorder of body functions, systems or organs that is transmissible by an infection or a contagion directly or indirectly through human contact, or contact with human fluids, waste, or similar agent. Emergency Travel Expenses mean: 1. Hotel expenses incurred which directly result from the cancellation of a scheduled transport by a commercial transportation carrier, resulting directly from and within forty-eight (48) hours of, a Certified Act of Terrorism; and 2. The net additional expense incurred resulting from re-scheduling comparable transport, to replace a similar scheduled transport cancelled by a commercial transportation carrier in direct response to a Certified Act of Terrorism; provided that these expenses are on behalf of the Named Insured and not otherwise reimbursable. Expenses for Replacement of Key Officers means the following reasonable expenses: 1. Costs of advertising the employment position opening; 2. Travel, lodging, meal and entertainment expenses incurred in interviewing job applicants for the employment position opening; and 3. Miscellaneous extra expenses incurred in finding, interviewing and negotiating with the job applicants, including, but not limited to, costs to verify background and references of applicants, and legal expenses incurred to draw up an employment contract. Injury means physical damage to the body caused by violence or an accident. Natural Catastrophe means hurricane, tornado, earthquake, tusunami, meteor impact, volcanic eruption, or flood. Principal Location means the first address of the Named Insured listed on the Declarations page. Unforeseeable Destruction means damage resulting from a Certified Act of Terrorism, fire, collision or collapse which renders the Principal Location completely unusable. Workplace Violence means any actual or alleged intentional and unlawful use of deadly force with intent to cause harm, occurring at the Principal Location and resulting in Injury. All other terms and conditions remain unchanged. The title and any headings in this endorsement are solely for convenience and form no part of the terms and conditions of coverage. Coverage: Lawyers Advantage Professional Liability Endorsement Number: 4 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 913-1501 01/21 Page 1 of 1 Endorsement MUTUAL CHOICE OF LEGAL COUNSEL In consideration of the premium charged it is agreed that: Section B. Defense and Settlement is amended to include: In the event You report a Claim in accordance with Section G. DUTIES IN THE EVENT OF CLAIM(S), POTENTIAL CLAIM(S), OR SUPPLEMENTAL COVERAGE MATTER(S), We shall appoint counsel, selection of whom shall be subject to Your consent, which consent shall not be unreasonably withheld. All other terms and conditions remain unchanged. The title and any headings in this endorsement are solely for convenience and form no part of the terms and conditions of coverage. Coverage: Lawyers Advantage Professional Liability Endorsement Number: 5 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 Endorsement 913-1609 01/21 Page 1 of 2 WASHINGTON STATE AMENDATORY ENDORSEMENT In consideration of the premium charged it is agreed that: A. Section B. Defense and Settlement, paragraphs 1 and 2 are deleted and replaced by: 1. We have the exclusive right and duty to defend any Claim made under this Policy, We will defend, subject to and as part of the Limit of Liability, any suit seeking damages against You to which this Policy applies even if the allegations are groundless, false or fraudulent until a judgment is rendered, settlement is reached with the claimant or the Insured’s permission is obtained. However, if You are entitled under applicable law to select defense counsel, then such defense counsel shall comply with Our customary rates and litigation guidelines regarding billing, staffing and reporting. We will pay Claim Expenses in connection with a Claim We defend. 2. Our duty to defend any Claim or pay any amount as Damages, Claim Expenses or Defense Expenses will cease when Our Limit of Liability has been exhausted or there is a Final Adjudication against You. Upon exhaustion of the limits of liability, We will tender control of the defense to the Named Insured. The Named Insured agrees to accept this tender of defense. B. Section H.1. of Conditions is deleted and replaced by: 1. Cancellation and Non-Renewal a. We may cancel this Policy by mailing written notice of cancellation to the Named Insured: 1) Ten (10) days before such cancellation is effective, based upon nonpayment of premium, unless such premium is paid within such ten (10) day period; 2) Forty five (45) days before such cancellation is effective, based upon any other reason. Regardless of the reason for cancellation, return of unearned premium shall be calculated on a pro rata basis. We will mail a copy of the written notice of cancellation to any other Insured that has an interest in a Loss covered under this Policy before such cancellation is effective. b. The Named Insured may cancel this Policy for itself and all other Insureds by: 1) Written notice to Us or the agent of record; or 2) Surrender of the Policy or binder to Us or the agent of record; or 3) Oral notice, with particulars sufficient to identify the Named Insured, to Us or the agent of record. Oral or written notice shall state when thereafter the cancellation shall be effective. This request will be binding on all Insureds and Us. If this Policy is cancelled, return of unearned premium shall be calculated on a pro rata basis. c. We are not required to renew this Policy. However, written notice of Our intent to non-renew this Policy shall be sent to the Named Insured not less than forty-five (45) days prior to expiration of the Policy Period. d. Notices of cancellation or nonrenewal will be mailed with a statement of the specific reason for cancellation or nonrenewal and shall be sent by first class mail to the Named Insured’s last known address. A copy of the notice will also be sent to the agent of record within five (5) working days. Coverage: Lawyers Advantage Professional Liability Endorsement Number: 5 Issued To: YELISH & BARKER LLC Policy Number: LH2-A647376-10 Issued By: The Hanover Insurance Company Effective Date: 06/01/2025 Endorsement 913-1609 01/21 Page 2 of 2 e. Notice of renewal terms and the premium due will be mailed to the Named Insured at least twenty (20) days prior to the expiration of the Policy. Failure to make the required premium payment by the renewal date will result in cancellation of the Policy for nonpayment of premium. A copy of the notice will also be sent to the agent of record within five (5) working days. C. Section H.2. Representations and Application, paragraph d., is deleted in its entirety. D. Section H. Conditions, Paragraph 7 is deleted and replaced by: 7. Sole Agent for the Insured By accepting this Policy, You agree that only the Named Insured is authorized to act as the sole agent on behalf of all Insureds with respect to the following: effecting or accepting notices under this Policy, and amendments to or cancellations of this Policy, completing of any application, making of statements representations and warranties, consenting to settlement or releasing rights under this Policy, payment of premiums and deductibles, receiving return premiums, requesting any optional Extended Reporting Period and agreeing to any changes in this insurance Policy. Each Insured agrees that the Named Insured shall act on its or their behalf with respect to such matters. All other terms and conditions remain unchanged. The title and any headings in this endorsement are solely for convenience and form no part of the terms and conditions of coverage.