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

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

Our Team In 1981, Nicolas Hadjisofocleous joins American Life as an Insurance Advisor. In 2016, Andreas Hadjisofocleous , joins forces with Nicolas Hadjisofocleous to launch HJS Insurance Agents & Consultants Ltd with the main aim to redefine how insurance is purchased in Cyprus by combining expertise with new human-centric approaches to sales. ​ HJS Insurance Consultants is a human-centric Insurance Agency which remains committed to its founding principles of: Trust | Ethos | Service | Commitment | Excellence LEARN MORE Managing Director Andreas Hadjisofocleous Bachelor of Business Administration in Management with honors - Magna Cum Laude Master of Science in International Management from King's College London Diploma in Insurance of the Chartered Insurance Institute of England Member of the Chartered Insurance Institute England Former Division Director at Toastmasters Cyprus - Greece - Bulgaria Former President at Toastmasters Nicosia Co-organiser at Startup Europe Week Nicosia Co-founded 3 startups – Received 5 Entrepreneurship Awards Young Transatlantic Innovation Leaders Initiative Fellow

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

Business Accident & Travel Insurance We offer a variety of International Travel Insurance options from Single Trip to annual multi-trip. Available Covers: Personal Accident Hospitalization Outpatient Treatment Ambulance Transportation Medical Evacuation Trip Cancellation Theft or Loss of Baggage Baggage Delay Missed Flight Connection Personal Liability Business Travel 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 Requested Travel Insurance

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 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

Employers, Public & Product Liability Your Business is your most valuable asset. We understand the risks involved in running a business. Our expertise in providing Business Insurance together with the startup and technology background of our directors enables us to better understand the needs of a modern business of any size. ​ Employers Liability Insurance is a Compulsory Liability Insurance in accordance with laws enacted in the Republic of Cyprus. ​ The minimum limits as required by the relevant legislation are: For every employee € 160.000 For each incident € 3.417.203 For each insurance period € 5.125.804 What is covered - ​It covers all liability in respect of Bodily Injury caused to an Employee arising out of and in the course of their employment or engagement by the Insured in the Business. - Optional Public Liability Coverage - The legal liability of the insured in relation to bodily injury, illness, accidental loss or damage to third parties within the premises of the insured or worldwide - Optional Product Liability Coverage Employers, Public & Product 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 Are you aware of any claims submitted against you in the last 5 years? Description of Work and Gross Earnings of Employees Please give details for all the claims submitted against you and the amounts paid Upload File (optional)

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