Exclusions

We do not provide coverage for:

1. Any legal matter not specifically listed on your Declarations.
2. Legal services in class actions, post judgments, punitive damages, malpractice, or appeals.
3. Legal services deemed by us to be frivolous or lacking merit, or in actions where you are the plaintiff and the amount we pay for your legal services exceeds the amount in dispute, or in our reasonable belief you are not actively and reasonably pursuing resolution in your case.
4. Matters against us or an insured against the interests of the named insured under the same policy.
5. Legal services arising out of a business interest, investment interests, employment matters, your role as an officer or director of an organization, and patents or copyrights.

The plan services do not include:

1. Services for matters against us, and/or your employer.
2. Matters arising out of your profession, business interests, occupation, employment, workers or unemployment compensation, relocation required by an employer, patents or copyrights.
3. Legal representation deemed by the providing attorney to be lacking merit or representation that is, in the judgment of the providing attorney, in violation of attorney ethics rules.
4. Service for the benefit of a person other than you.