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Frequently Asked Questions Expertise Insurance agents are trained professionals who have expertise in different types of insurance and can provide personalized advice based on your specific needs. They can help you understand the policy language, coverage options, and benefits of different insurance plans. Choice Insurance agents have access to a variety of insurance products from different companies, which means they can provide you with multiple options to choose from. They can also help you compare policies and premiums, so you can make an informed decision. Convenience Instead of having to contact multiple insurance companies individually, you can work with an insurance agent who can handle everything for you. This can save you time and hassle. Advocacy Insurance agents act as advocates for their clients and work on their behalf to ensure they receive fair treatment from insurance companies. They can help you with claims, negotiate with insurers, and provide support throughout the insurance process. Cost savings Contrary to popular belief, using an insurance agent can be cost-effective in the long run. Insurance agents can often negotiate better rates with insurance companies, which can result in cost savings for you. They can also help you identify ways to reduce your insurance premiums, such as increasing your deductible or taking advantage of discounts that you may be eligible for. Personalized service Insurance agents provide personalized service and can help you tailor your insurance coverage to your unique circumstances. They can take the time to understand your specific needs and make recommendations that are tailored to your situation. Claims assistance Insurance agents can also provide assistance with the claims process, helping you navigate the often complex and confusing process of filing a claim. They can also help you ensure that you receive the maximum amount of compensation for your claim. What are the advantages of working with an insurance agent/broker? Overall, an insurance agent can provide a range of benefits and value-added services that may not be available when contacting an insurance company directly. Will an insurance agent charge me extra for his services? No. Insurance agents are paid a commission by the insurance company for the services they provide to clients. The agent acts as an intermediary between the client and the insurance company. Insurance companies distribute their products through the agency system, therefore the commission and other distribution fees are included in the premium of insurance products from their initial launch in the market. As our client, you will pay the same price whether you choose to purchase insurance directly from the company we are affiliated with or transact via us. Do you provide claim support? Absolutely! As an insurance intermediary, we provide not only insurance policies but also claim support to our clients. We understand that making a claim can be a stressful and overwhelming process, which is why we are here to help. Our team of experienced professionals is dedicated to guiding you through the entire claims process, from initial notification to final settlement, ensuring that you receive fair and timely compensation for any losses or damages covered by your policy. ​ By working with us, you can rest assured that you have a trusted partner to assist you in the event of a claim. We will act as your advocate, working on your behalf to ensure that the claim is handled promptly and efficiently. We will also assist you in gathering the necessary documentation, completing claim forms, and communicating with the insurance company, allowing you to focus on getting back on your feet. ​ At the end of the day, our goal is to provide you with peace of mind and exceptional service, not just when you purchase your insurance policy, but throughout the life of your policy. Contact us today to learn more about how we can help you with your insurance needs, including our comprehensive claim support.

HJS INSURANCE AGENTS & CONSULTANTS “A Human-Centric Insurance Agency” Trust | Ethos | Service | Commitment | Excellence HJS Insurance collaborates with the most respected local and global insurance providers to offer you a wide range of insurance solutions tailored to your unique needs. 01 Employers, Public & Product Liability Send 02 Property Insurance Send 03 Group Life & Medical Insurance Send Business Insurance 04 Professional Indemnity Insurance Send 05 Provident Fund Insurance Send 06 Cyber Risk Insurance Send 07 Business Accident & Travel Insurance Send 08 Marine Cargo Insurance Send 09 Directors & Officers Liability Insurance Send 10 Specialised Insurance Products Send 01 Property Owners Insurance Send 02 Expats Home Insurance Send 03 Expats Auto Insurance Send Personal Insurance 04 Life & Medical Insurance Send 05 Pension Insurance Send 06 Building Administrative Committee Insurance Send 07 Travel Insurance Send 08 Foreign Workers' Medical Insurance Send 09 Compulsory Professional Indemnity Send 10 Specialised Insurance Products Send 05 Insurance Providers 40+ Collective Years of Insurance Expertise 100% Customer Satisfaction hjsinsurance Nov 3, 2023 2 min Maximize Your Tax Reductions in Cyprus with Life Insurance 48 0 3 likes. Post not marked as liked 3 hjsinsurance Dec 7, 2022 5 min VALID FOREIGN DRIVING LICENSES IN CYPRUS 2,643 0 8 likes. Post not marked as liked 8 hjsinsurance Oct 12, 2021 1 min HJS Insurance organizes Startup Europe Week Nicosia 2021 82 0 6 likes. Post not marked as liked 6 hjsinsurance Sep 2, 2021 1 min Self-Service (Sharing Economy) Accommodation Establishments Insurance (AirBnB) 270 0 6 likes. Post not marked as liked 6 hjsinsurance Mar 13, 2021 1 min Sponsors of TEDx Youth Engomi 35 0 8 likes. Post not marked as liked 8 hjsinsurance Mar 7, 2021 1 min Participation at the World Economic Forum’s 12th Annual Meeting of the New Champions 35 0 8 likes. Post not marked as liked 8 Articles VIEW ALL Andreas has provided our firm excellent coverage that met our needs plus more at very good rates. We highly recommend HJS as one of the best insurance providers in Cyprus.” Hana Fakir Professionalism and care you can trust. Andreas Hadjisofocleous provided me with advise and the products that suited my company best. Excellent customer service. Elena Michael The patient, detail-oriented guidance offered by HJS Insurance is commendable. Professionalism with genuine concern for customers. Al Davidian Creating Social Value

Car Insurance We provide special rates for foreign drivers through our reputable insurance partners. We accept international driving licenses and claim history letters from insurers abroad. The car insurance plan provides cover for Third Party Liability, Third Party Liability Fire & Theft and Comprehensive Cover. What is covered 1. Comprehensive Cover Own damage from accident Own Damage from Fire or Theft Third Party Liability as below 24 hours road assistance. 24 hours accident assistance Damage to your Motor Vehicle from natural perils which are not specifically excluded Damage to your Motor Vehicle from social perils (Riot, civil commotion, malicious act, vandalism) Extension for loss of use of the Motor Vehicle New motor vehicle replacement (for vehicles less than a year old). Key replacement due to key theft or accidental damage to your Motor Vehicle’s locks Loss or damage to your personal belongings Accidental damage to your windscreen (The excess does not apply) Emergency Treatment Medical Expenses of Authorized Driver or Passenger Personal Accident to Authorized Driver Passenger Liability Driving of Another Car (only for individuals - Conditions apply) No Claim Protection (optional) The overall limit of this cover is the market value or the value of your Motor Vehicle as declared by you, whichever is less. 2. Third Party Liability, Fire & Theft cover Loss or damage to your Motor Vehicle caused directly by fire or theft, up to the market value or the value of your Motor Vehicle as declared by you, whichever is less. Third Party Liability as below 3. Third Party Liability Your legal liability, and that of authorised drivers and passengers, to third parties as required by law, up to €36,350,000 (for personal injuries and loss of life) and €1,220,000 (for property damage), for damage caused by the use of your Motor Vehicle, including when used beyond the road or carrying a trailer. 24 hours road assistance. 24 hours accident assistance Your third party liability, within the limits mentioned above, when driving another car (For individuals only). Accidental damage to your windscreen Additional Coverages - Driving Beyond the Road - Driving in the Occupied Areas of Cyprus - Third Party Liability cover for driving in other European Union countries - Own Damage cover for 30 days in other European Union countries (provided that the cover is fire & theft or comprehensive). - European Jurisdiction (it pays European courts’ decisions) Motorbike Coverage Motorbike Coverage can only be offered to existing clients or new clients who insure their property/ business with us Car Insurance Offer Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Year of Manufacture Type of Body Saloon SUV Coupe Convertible Pickup Other First Name Last name Current Market Value of the Car Home Address of Residence of the Owner/Main Driver Date of Birth of the Owner/Main Driver Are all the authorised drivers between 25-70 years old and holders of driving licence over two years? Yes No Please state the names, date of birth and date driving licence was obtained for any authorised driver below 25 years old, any driver above 70 years old and any holder of driving licence valid less than two years. Vehicle Manufacturer and Model Cubic Capacity c.c Type of Use Private Business Plate Numbers or Frame Number Country of Driving Licence Date Driving Licence was obtained Number of Authorised Drivers 1 2 3 4 Any driver between 25-70 years old holder of driving license over 2 years Does the main driver have clean claim record for the past 7 years? (In case we proceed with the insurance, the insurance company will request proof of no claim history) Yes No If not, please state the number of claims, year and value for each claim 1- Please upload any files that will help us get a better quotation for you - Driving Licence, Claim history, Car Registration Certificate Upload File Upload supported file (Max 15MB) Please describe 2 - Please upload any files that will help us get a better quotation for you - Driving Licence, Claim history, Car Registration Certificate Upload File Upload supported file (Max 15MB) 3 - Please upload any files that will help us get a better quotation for you - Driving Licence, Claim history, Car Registration Certificate Upload File Upload supported file (Max 15MB) 4 - Please upload any files that will help us get a better quotation for you - Driving Licence, Claim history, Car Registration Certificate Upload File Upload supported file (Max 15MB) 5 - Please upload any files that will help us get a better quotation for you - Driving Licence, Claim history, Car Registration Certificate Upload File Upload supported file (Max 15MB)

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

Marine Cargo Insurance We protect your cargo from the warehouse to the final destination via air, sea and land. What is Covered: Institute Cargo Clause A Institute Cargo Clause B Institute Cargo Clause C CONTACT US

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

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.

Travel Insurance International Travel Insurance options from Single Trip to multi-trip Annual Travel. What is usually covered Hospitalization Outpatient Treatment Ambulance Transportation Medical Evacuation Trip Cancellation Theft or Loss of Baggage Baggage Delay Missed Flight Connection Personal Liability Travel 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 destinations Date of Birth Requested Travel Insurance From date To date Additional Insured Persons (optional)

Building Administrative Committee Insurance According to the Immovable property law of 1993 and its amendments “The Management Committee must insure and always keep insured the jointly- owned building against fire, lightning and earthquakes with a licensed underwriter for the sum which the Management Committee considers as corresponding to its replacement value. For any other risks insurance is Compulsory, only if this decided by a percentage of the owners above fifty percent (50%)”. ​ This insurance can be extended to cover the apartments of the building to fully protect all the owners from potential financial insolvency in case of total or partial destruction to the building and its apartments. ​ According to the law “In case of partial destruction of a jointly-owned property by any cause, the Management Committee shall use the insurance money, as soon as it receives it, for the reconstruction, repair or restoration of the jointly-owned property”. What is usually covered Fire, earthquake, lightning, explosion, aircraft, riot, civil commotion, strikes, storm or flood, escape of water, impact, malicious damage Cover for loss or damage by an accidental physical cause occurring during the period of insurance to Jointly Owned Building. Public Liability - Protects against legal liability of the Administration Committee as a Legal Entity for bodily injury to third parties and damage to their property Additional Expense of Alternative Accommodation and Loss of Rent, Debris Removal, Professional Fees, Underground Services, Trace and Access Coverage for accidental breakage of glass Building Administrative Committee Insurance Offer Name of Administrative Committee Email Phone Please add any notes to help us prepare a quotation for you (optional) SUBMIT Thanks for submitting! Address Any claims submitted in the last 3 years? Reconstruction value of the jointly owned building Reconstruction value of the building including apartments Do you require cover for The building and apartments The jointly owned building only Number of apartments/units Are all the units in the building residential? Yes No Please describe the use of the units which are not residential Is there a basement Yes No Is there an elevator Yes No Is there a swimming pool Yes No Year Built Building Construction Concrete Metal Wooden Other please describe Please give details for all the claims submitted and the amounts paid

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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