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Based on your answers, we recommend the following:
What is General Liability Insurance?
General Liability (GL) insurance, also called commercial general liability insurance, provides coverage for your business against claims made by others for bodily injury, property damage, or personal and advertising injury.
Recommended if you or your employees:
- interact with clients face to face
- have access to customer's property
- use advertising to market your company
- use third-party locations for any business-related activities
- enter into contracts that require general liability insurance.
What's covered:
- bodily injury and related medical expenses for an injury to someone other than you or an employee
- accidental damage to someone else’s property
- personal and advertising injury
- defense costs and damages up to your policy limit
- actions of your full-time employees and temporary staff
What's not covered:
- failure to protect personally identifiable information
- use of vehicles and boats
- damage to your property
- professional services
- bodily injury to your employees and temporary staff
What is Professional Liability Insurance?
Professional liability insurance, also called errors and omissions (E&O) insurance or indemnity insurance, protects your business if you are sued for negligently performing your professional services, even if you haven’t made a mistake.
Recommended if your business:
- provides a professional service
- regularly gives advice to clients
- is requested by a client to have professional liability insurance to complete a contract.
What's covered:
- alleged or actual negligence
- defense costs and damages
- personal injury (e.g., libel or slander)
- professional services performed by employees, temporary staff, and independent contractors
- claims arising from professional services performed in the past (back to an agreed upon date; some exceptions apply)
- worldwide coverage (suit must be in the US, its territories and possessions, or Canada)
What's not covered:
- bodily injury or property damage
- fraudulent acts
- employment matters
- false advertising
- failure to protect personally identifiable information
- breach of contract
What is a Business Owner's Policy?
A Business Owner's Policy (BOP) is an enhanced insurance policy that combines general liability coverage plus protection against damage to your business’s personal property and buildings, and loss of business income due to property damage.
Recommended if your business:
- needs general liability insurance coverage
- has business equipment such as computers, printers and furniture
- owns the building at which your work and need to insure the property
- owns and works with large amounts of data on a regular basis
- has employees who could act dishonestly or steal clients' property.
What's covered:
- damage to your personal business equipment (including fire and theft)
- damage to your office building (including fire and vandalism) if selected
- damage to someone else's property (including employee theft)
- bodily injury and related medical expenses incurred by someone outside your organization
What's not covered:
- normal wear and tear and intentional property damage
- property damage caused by earthquakes, floods, and volcanoes
- personal property exposed in the open to rain, snow, ice, or sleet
- bodily injury to your employees and temporary staff
What is General Liability Insurance?
General Liability (GL) insurance, also called commercial general liability insurance, provides coverage for your business against claims made by others for bodily injury, property damage, or personal and advertising injury.
Recommended if you or your employees:
- interact with clients face to face
- have access to customer's property
- use advertising to market your company
- use third-party locations for any business-related activities
- enter into contracts that require general liability insurance.
What's covered:
- bodily injury and related medical expenses for an injury to someone other than you or an employee
- accidental damage to someone else’s property
- personal and advertising injury
- defense costs and damages up to your policy limit
- actions of your full-time employees and temporary staff
What's not covered:
- failure to protect personally identifiable information
- use of vehicles and boats
- damage to your property
- professional services
- bodily injury to your employees and temporary staff
What is Cyber Security Insurance?
Cyber security insurance protects businesses against losses from computer-related crimes and privacy, data, and network-related exposures. This may include targeted attacks, such as malware and phishing, as well as the occasional misplaced laptop containing confidential material.
Recommended if your business:
- accepts credit cards or other digital payment types
- uses computers and mobile devices
- stores confidential customer information
- keeps medical or financial data.
Cyber Security Insurance Covers:
- breach response experts to help you respond and mitigate damage from a cyber event
- lost business revenue and data recovery costs due to a breach or extortion threat
- money lost due to a fraudulent instruction by a third party (known as phishing)
- defense against privacy lawsuits and regulatory fines
- breach prevention services
Sample claims scenarios:
- phishing email leads to ransomware
- media firm experiences a breach of client information
What is a Business Owner's Policy?
A Business Owner's Policy (BOP) is an enhanced insurance policy that combines general liability coverage plus protection against damage to your business’s personal property and buildings, and loss of business income due to property damage.
Recommended if your business:
- needs general liability insurance coverage
- has business equipment such as computers, printers and furniture
- owns the building at which your work and need to insure the property
- owns and works with large amounts of data on a regular basis
- has employees who could act dishonestly or steal clients' property.
What's covered:
- damage to your personal business equipment (including fire and theft)
- damage to your office building (including fire and vandalism) if selected
- damage to someone else's property (including employee theft)
- bodily injury and related medical expenses incurred by someone outside your organization
What's not covered:
- normal wear and tear and intentional property damage
- property damage caused by earthquakes, floods, and volcanoes
- personal property exposed in the open to rain, snow, ice, or sleet
- bodily injury to your employees and temporary staff
What is General Liability Insurance?
General Liability (GL) insurance, also called commercial general liability insurance, provides coverage for your business against claims made by others for bodily injury, property damage, or personal and advertising injury.
Recommended if you or your employees:
- interact with clients face to face
- have access to customer's property
- use advertising to market your company
- use third-party locations for any business-related activities
- enter into contracts that require general liability insurance.
What's covered:
- bodily injury and related medical expenses for an injury to someone other than you or an employee
- accidental damage to someone else’s property
- personal and advertising injury
- defense costs and damages up to your policy limit
- actions of your full-time employees and temporary staff
What's not covered:
- failure to protect personally identifiable information
- use of vehicles and boats
- damage to your property
- professional services
- bodily injury to your employees and temporary staff
What is Workers Comp Insurance?
Workers Compensation Insurance covers the costs associated with a work-related accident or illness. If an employee becomes ill, is injured, or even dies on the job, Workers Compensation Insurance can cover medical costs and lost wages.
Workers Compensation Insurance is mandatory in nearly every state.
Recommended if your business:
Has W-2 employees, including part-time or seasonal workers. Penalties apply in most states if you have employees and do not carry Workers Compensation Insurance.
What does Workers Compensation Insurance cover?
- Medical costs incurred by an employee who is injured or becomes ill on the job
- Lost wages while an employee recovers from a work-related illness or injury
- Death of an employee on the job.
Sample claims scenarios:
- An employee drops a box on their foot and breaks three toes. Insurance covers their medical costs and wages while they recuperate.
- A computer technician slips a disk in their back while trying to install a server. Medical costs and lost wages are covered by insurance.
What is General Liability Insurance?
General Liability (GL) insurance, also called commercial general liability insurance, provides coverage for your business against claims made by others for bodily injury, property damage, or personal and advertising injury.
Recommended if you or your employees:
- interact with clients face to face
- have access to customer's property
- use advertising to market your company
- use third-party locations for any business-related activities
- enter into contracts that require general liability insurance.
What's covered:
- bodily injury and related medical expenses for an injury to someone other than you or an employee
- accidental damage to someone else’s property
- personal and advertising injury
- defense costs and damages up to your policy limit
- actions of your full-time employees and temporary staff
What's not covered:
- failure to protect personally identifiable information
- use of vehicles and boats
- damage to your property
- professional services
- bodily injury to your employees and temporary staff
Need more help?
Online recommendations are for general informational purposes only. If you need help confirming the right coverage, speak with a licensed agent: 1-866-283-7545
Find the right commercial insurance for your business
Hiscox provides protection for hundreds of professions.
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General Liability
The foundational protection for claims against your business.
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Professional Liability (E&O)
Indemnity protection for specific risks in your field.
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Business Owner's Policy
General liability plus coverage for property.
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Cyber Security
Protection from computer-related security risks.
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Workers Compensation
Protection for employees who are injured or become ill on the job.
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Commercial Auto
Protection for your business and work vehicles.
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Short-Term Liability
Purchase coverage for a specific period of time.
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Medical Malpractice (E&O)
Protection for claims against your medical practice.
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More Coverages
Umbrella, Property, Inland Marine, and more.
Business insurance company FAQs
Hiscox is a small business insurance company. The company provides general liability, professional liability, business owner's policy and cyber security insurance to companies in industries such as architecture and engineering, health and wellness, consulting, and artisan subcontracting. Hiscox is currently licensed to offer small business insurance in 49 states and the District of Columbia. (Coverage is currently unavailable in Alaska).
Hiscox offers general liability insurance, professional liability insurance (also called errors and omissions or E&O), business owner's policies (also called BOP), and cyber security insurance. Through partnerships with other carriers, businesses can also purchase other types of coverage through Hiscox, such as workers' compensation.
Hiscox is a specialty insurer that provides coverage for small businesses. Policies include general liability insurance, professional liability insurance (also called E&O), business owner's policies (also called BOP), cyber security insurance, and more.
Hiscox has roots dating back to 1901. Hiscox USA, which began in 2010, is part of the Hiscox Group, which has over 3,000 employees in 14 countries around the world.
You can get a free, instant online business insurance quote at Hiscox.com. Enter your zip code, answer some quick questions about your business, and you will get a quote for insurance customized for your company. If you have questions, or prefer to get your quote by phone, call 1-866-283-7545 and speak with a licensed agent, Monday – Friday, 7am – 10pm ET; Saturday – Sunday, 8am – 5pm ET.
Yes. Many reputable insurance companies offer policies online. When you shop for a commercial insurance policy, the company’s ability to pay claims is a key component of what you are buying. Be sure to review the company’s financial ratings and look for a company with highly-rated claims service, like Hiscox, which is rated 4.7/5 stars on Feefo.
Yes, Hiscox policyholders can get a Certificate of Insurance (COI), or ACORD, in minutes online. This important document proves your business has the insurance coverage needed to protect against potential liabilities. A COI can be customized with the client or landlord’s name and a description of your business operations and can protect you and your client and give you both peace of mind.
Claims are quickly assigned to a claims specialist, who guides the policyholder through the claims process. The claims specialist will collect the required information and assess coverage so that every covered claim can be paid.
Why over 600,000 small businesses choose Hiscox
Tailored. Policies customized just for you.
Simple. Fast quotes, instant coverage, quick claims.
Established. Supporting the courageous since 1901.
Hiscox customer reviews
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Emanual
Easy Self Maintenance Policy
Up & running in less than 10 minutes. Never had a claim so all is great so far. Andrew
They’re so easy!
Awesome experience so easy it couldn’t be a better system they got going on!!!-
Jan
I will use Hiscox again and again! :)
Quick and easy online service.
4.7/5 Feefo Rating
See options and pricing in minutes.
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