Hiscox has secured approval in Nevada for updates to its Hiscox Pro professional liability program, introducing new exclusions and refining coverage through multiple endorsements.

The filing adds a Firearms and Weapons Exclusion, broadly removing coverage tied to firearm or weapon-related incidents, including use, failure to prevent harm, and even administrative lapses such as delayed reporting. This significantly narrows exposure in a category that has seen rising litigation and severity.

A new Open House Theft Sublimit introduces capped coverage for theft claims tied to property showings, with separate limits for high-value items such as jewelry and furs versus general property. The structure signals tighter control over frequency-driven real estate liability risks.

Hiscox also updated its Optional Extended Reporting Period (ERP) endorsement, clarifying how policyholders can report claims after policy expiration for prior acts, reinforcing claims-made mechanics without expanding coverage scope.

The most notable change comes from revisions to the Technology Services Claim Sublimit, which introduces capped coverage for tech-related claims, rewrites intellectual property and product-related exclusions, and adds new exclusions targeting contractual disputes, third-party tech failures, and remediation costs.

Together, these changes reflect a continued effort to segment and contain emerging risk categories, particularly around technology services and high-severity liability exposures.

The filing was approved on March 16, 2026, and applies to new and renewal business upon approval.