Cyber Risk Insurance A Cyber Risk Insurance covers financial losses that result from electronic and web risks. Covers a large range of risks including: (a) Loss of information on a laptop or cloud due to hacking, virus or negligence (b) Hacking of a website and disruption to a company’s web presence (c) Leak of personal / corporate information, propriety secrets and threats to publish information (d) Appropriation and transfer of corporate information by employees And the losses deriving as a result of those risks materialising, including: (a) Legal, IT, Forensic and Reputation Expenses (b) Data restoration expenses - including employee overtimes (c) Data Protection Expenses deriving from GDPR provisions such as notification costs to data subjects, credit and ID monitoring costs and data protection investigation costs and fines (d) Damages for Liability for loss of personal / corporate information or failure to notify data subjects Cyber Risk Insurance Offer Name of Company Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Description of Business Activities

Directors & Officers Liability Insurance Directors face unprecedented regulatory and political scrutiny. The rise in claims against Directors and officers is exponential as stakeholders seek legal actions for financial losses. We offer Directors & Officers Liability Insurance to protect any company against threats that its directors face. Directors and Officers Liability Insurance (D&O insurance) is a type of liability insurance that provides financial protection to directors and officers of a company in the event they are sued for alleged wrongful acts committed in the course of their duties. D&O insurance policies cover claims made by shareholders, employees, customers, creditors, suppliers, regulators, or other parties. Directors and Officers Liability Insurance (D&O insurance) is recommended for any company with a board of directors or executive officers, regardless of the size or type of the business. This includes public companies, private companies, non-profit organizations, and even small startups. Extensions of Coverage usually include the following: Management Liability cover Pre-claim inquiry Assets and liberty costs Derivative investigation hearing Insolvency hearing cover Reputation expenses Corporate manslaughter Circumstance / claim mitigation Interpretive counsel New subsidiary Discovery period Run-off for retired insured persons Emergency costs Global dutch securities settlement advice Company crisis loss And other HJS Insurance Agents and Consultants offers Directors & Officers Liability Insurance, from reputable global insurers, to protect any company against threats that its directors face. At our company, we understand that the risks and liabilities facing today's directors and officers are constantly evolving, and we are committed to providing our clients with comprehensive coverage to protect their personal and professional assets. Contact us for a complimentary consultation tailored to your company’s unique needs. Publicly traded companies: Directors and officers of publicly traded companies face a greater risk of lawsuits due to their fiduciary duties to shareholders and the increased scrutiny from regulatory bodies. Private Companies: Directors and officers of private companies can be sued by shareholders, creditors, employees, or regulatory bodies for alleged mismanagement, breach of fiduciary duty, or other types of misconduct. Non-profit organizations: Directors and officers of non-profit organizations can face legal action from donors, volunteers, or other stakeholders for mismanagement, breach of fiduciary duty, or other types of misconduct. Startups: Directors and officers of startups may face personal liability for business decisions made in the early stages of the company's development, and D&O insurance can provide protection during this critical time. In general, any company with a board of directors or executive officers should consider obtaining D&O insurance to protect against the financial risks of potential legal claims or allegations of wrongful conduct. Breach of fiduciary duty: This includes allegations that directors or officers failed to act in the best interests of the company, or engaged in self-dealing or other conflicts of interest. Mismanagement : This includes allegations that directors or officers failed to properly manage the company, made poor business decisions, or failed to disclose material information. Employment practices: This includes allegations of discrimination, wrongful termination, harassment, or other violations of employment laws. Securities laws violations: This includes allegations of insider trading, misrepresentations in financial statements, or other violations of securities laws. Cybersecurity and data breaches: This includes allegations that directors or officers failed to adequately protect sensitive information or respond appropriately to a data breach. ​It's important to note that D&O insurance typically does not cover criminal acts, intentional misconduct, or fraudulent activities. D&O insurance may cover legal defense costs, settlement or judgment amounts, and other related expenses associated with these types of claims. However, the specific coverage and limits of a D&O insurance policy can vary depending on the policy's terms and conditions. Some of the common types of claims that may be covered by D&O insurance include: Here are some specific situations where D&O insurance is particularly important: Directors & Officers Liability Insurance Offer Name of Company Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Description of Business Activities

Lasting Impact Our Partners HJS Insurance has strong connections with the most respected global and local insurers. Therefore, we can offer a wide range of insurance products that cover all needs both in Cyprus and abroad.

Property Insurance ​Insure your property against accidental damage, fire, earthquake and other natural perils. What is covered Building Contents Fixtures & Fittings Equipment Loss of Rent due to loss from an insured peril Architects & Engineers Fees Removal of Debris due to damage from an insured peril Property Insurance Offer Name of Company Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Reconstruction value of Building Are you aware of any claims submitted against you in the last 5 years? Please give details for all the claims submitted against you and the amounts paid Use of the premises to be insured Insured value of Contents Annual Rent Receivable (If Applicable) Building Construction Concrete Metal Wooden Other Please describe

Foreign Workers' Medical Insurance Mandatory Medical Insurance for foreign employees as required by law. Employers are required to cover the medical expenses of their foreign employees as a condition for obtaining a work permit. This insurance is designed for Professional Foreign Individuals, Businesspeople, Housecleaning Workers, Farm or Factory Workers and other people who are required by law to maintain a medical insurance. What is usually covered In- Patient Care Out - Patient Care Repatriation of Corpse Birth Benefit Optional Employers Liability Insurance Other Coverages as required by law Foreign Workers Medical Insurance Offer Full Name Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Please state the type of insurance requested for Immigration Purposes Date of Birth Are all insured members registered with GESY Additional Insured Persons (optional)

Technology Companies Insurance As technology continues to play an increasingly important role in our lives, businesses in the technology sector face unique risks and challenges. From cyber attacks to intellectual property disputes, technology companies must navigate a constantly evolving landscape of risks and liabilities. That's why insurance for technology companies is more important than ever. Whether you're a startup or an established enterprise , investing in the right insurance coverage can help to mitigate the risks that come with providing technology-related services or products, and provide peace of mind for you and your stakeholders. Some types of companies in the technology sector that we provide insurance coverages are: If a technology company accidentally infringes on someone else's intellectual property, such as a patent, trademark, or copyright, the company may face a lawsuit. Professional Indemnity insurance may cover the legal costs of defending the claim and any damages awarded to the claimant. 1 - Intellectual Property Infringement: If a technology company experiences a data breach or cyber attack, it may be held liable for any damages or losses that result. Cyber Risk insurance may cover the costs of notifying affected customers, providing credit monitoring services, and defending against any lawsuits that arise. 2 - Data Breaches: If a technology company's software contains errors or omissions that lead to financial losses for a client, the company may be held liable. Professional Indemnity insurance may cover the costs of defending against a lawsuit and any damages awarded to the client. 3 - Software Errors or Omissions: If a technology company fails to exercise the level of skill and care expected of a professional, it may be sued for professional negligence. Professional Indemnity insurance may cover the costs of defending against the claim and any damages awarded to the claimant. 4 - Professional Negligence: to a third party, the company may be held liable. Product Liability insurance may cover the costs of defending against a lawsuit and any damages awarded to the injured party. 5 - If a technology company launches or sells products that cause harm or injury If a technology company's advertising or marketing material is found to be misleading or deceptive and causes harm to a third party, the company may be held liable. Public Liability insurance may cover the costs of defending against a lawsuit and any damages awarded to the claimant. 6 - Advertising Liability: Examples of claims covered Forex Companies Fintech Companies Internet Companies Software development companies IT consulting companies Network administrators Web design companies Telecommunications providers Digital marketing agencies Computer hardware manufacturers E-commerce platforms And many more We have partnered with global and reputable insurers to provide the following insurance coverages to technology companies: Also known as Errors and Omissions (E&O) insurance, this type of insurance can provide coverage for claims arising from professional services provided by the technology company. It provides coverage for claims of negligence, errors, or omissions in the design, development, or implementation of technology products or services. This can include claims of negligence, errors or omissions, and failure to deliver services as promised. This type of insurance can also cover claims of intellectual property infringement or breach of contract. Professional Liability (Indemnity) Insurance: This type of insurance provides coverage for claims of bodily injury or property damage caused by the technology company’s operations or products. CGL insurance can also provide coverage for certain types of advertising and personal injury claims. Commercial General Liability Insurance: This type of insurance helps protect against losses from data breaches, cyberattacks, and other cyber threats. It can cover expenses such as data recovery, notification costs, legal fees, reputational damage, regulatory fines, and other expenses associated with a data breach or cyber-attack. Cyber Liability Insurance: This type of insurance provides coverage for damage or loss to the technology company’s property, including office equipment, servers, and other assets. Property Insurance: It's important to note that the specific terms and conditions of an insurance policy can vary, therefore, it's essential to review the policy carefully to understand what is covered and what is excluded. ​ When selecting an insurance policy for your technology company, it's important to work with an experienced insurance agent who can help you understand your risks and select the right coverage for your specific needs. We understand technology and its implications. Don't leave your company's future to chance; invest in insurance today. ​Technology Companies Insurance Offer Name of Company Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Description of Business Activities

Professional Indemnity Insurance for Architects and Civil Engineers Professional Indemnity Insurance became mandatory for Architects and Civil Engineers and is required by ETEK (Cyprus Scientific and Technical Chamber) from 2020. What is covered Claims which the insured may become liable to pay for breach of duty by reason of any negligent act, error or omission committed or alleged to have been committed during the policy period. Defense costs Premium Starting from 322 EUR/Year (Including Policy Fees) Limits of Insurance €300.000 per each claim​ €300.000 per aggregate limit/period of insurance Professional Indemnity Insurance Offer for Architects and Civil Engineers Full Name Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Description of Business Activities

Pension Insurance We can provide Unit Linked Flexible Pension Plans that offer various retirement options What is covered Loss of Life Disability Pension Permanent Total Disability Waiver of Premium due to Disability Benefits For the financial protection of your family in the event of Loss of Life For the financial protection of you and your family in case of an accident or disease As a means of systematic investment for capital formation As a means of tax relief Pension Insurance Offer Full Name Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Estimated monthly amount to be invested Date of Birth

Compulsory Professional Indemnity Insurance Certain professional bodies require from its members to have a Professional Indemnity Insurance in order to maintain their license. In collaboration with our insurance partners we provide coverage for Accountants, Lawyers, Architects, Civil Engineers and other professionals in accordance with the requirements of their respective professional bodies. Compulsory Professional Indemnity Insurance Offer Full Name Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Description of Business Activities

Specialised Insurance Products The insurance companies we represent offer a variety of products for Individuals and Businesses of all sizes. Contact us to learn more. Specialized Insurance Products Offer Full Name Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Description of Business Activities

Provident Fund Insurance A provident fund insurance plan is a plan that can be offered by employers to employees for the creation of capital for retirement purposes. Employers can chose the percentage of contribution and employees decide the investment risk they want to take. The insurance company undertakes the Investment Management of the plan and ensures that the portfolios are adequately distributed across all asset classes and geographical areas. Benefits: Investment Management by experienced professionals Ability to select various investment funds based on the risk profile of the insured Tax Allowance Loss of Life coverage Distribution of Investment across asset classes and geographical areas Provident Fund Insurance Offer Name of Company Occupation Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Description of Business Activities