Get a quote and buy business insurance online
Small business insurance – also known as commercial insurance – protects your company from unexpected risks, claims, and lawsuits that could impact your bottom line. Whether you're just starting out or growing your business, finding the right coverage is essential. Not every business needs every type of coverage, so you can choose the policy or policies that will best protect your company. Our small business insurance options are designed to help you stay focused on running your business, knowing you're covered if the unexpected happens. Get a quote online and start protecting your business today.
Find the right type of insurance for your small 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 Insurance
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.
How much is small business insurance?
The cost of small business insurance depends on the industry you're in, the size of your business, the type of insurance, and other factors. Hiscox offers affordable small business insurance for hundreds of professions, like this example for a personal trainer in Texas. Pricing starts at $30 a month for a general liability policy, but your costs could vary, and it could be cheaper to bundle policies together to provide broader protection for your business. For more information on the cost of small business insurance, get a quote to see customized pricing for your needs.
Bundle and save
Save up to 5% when you buy two or more Hiscox business insurance products. Also, by choosing a higher deductible (the initial amount you pay for each claim), you can lower your monthly premium. It’s only fair, as you’re taking on more of the risk.
| Personal Trainer in Texas | |||
|---|---|---|---|
| Product | General Liability | Professional Liability | Cyber Security Insurance |
| Each Claim Limit | $1,000,000 | $1,000,000 | $250,000 |
| Aggregate Limit | $2,000,000 | $1,000,000 | $250,000 |
| Deductible | $0 | $500 | $1,000 |
| Monthly Cost* | $29.16 | $121.03 | $32.07 |
| Annual Cost* | $350 | $1,453 | $385 |
*Costs shown are illustrative. Your premium may vary based on your business profile. For an estimate tailored to your business, answer a few simple questions and get a quote today.
What does small business insurance cover?
It all depends on the type of coverage you choose, but generally, a small business insurance policy can protect your business from property damage, financial losses, workplace injuries, and more. Common coverages include protection against theft, fire, wind damage, and liability claims if someone is injured at your business. Business interruption insurance (under a business owner’s policy) can help replace lost income if your operations are affected by a covered event. Many businesses also add coverage for data breaches and cyberattacks, as well as errors and omissions (E&O) insurance for professional liability. Your coverage limits, deductibles, and exclusions vary by policy, so it’s important to get the right protection for your business.
Who needs small business insurance?
First, what is considered a small business? A small business is typically defined as an independently owned and operated company with fewer than 500 employees and limited annual revenue, though size standards vary by industry. Small businesses can take many forms, including sole proprietorships, partnerships, LLCs, and corporations. Factors like industry classification, revenue, and number of employees all help determine if a business qualifies as small.
Regardless of a business’s size, structure, or industry, small businesses encounter unique risks depending on the type of work they do. Hiscox provides small business insurance for hundreds of professions. Here are some of them.
Learn more about all the small business professions we insure.
Get a quote for a small business insurance policy now
Are you ready to buy business insurance online? You can get a fast, customized quote from Hiscox right now. If you’re not sure yet, continue reading to learn how our small business insurance policies can help protect you.
Small business insurance FAQs
Why over 600,000 small businesses choose Hiscox
Customized
Policies customized for the specific risks you face.
Simple
Fast quotes, instant coverage, quick claims.
Established
Supporting the courageous since 1901.
Get a small business insurance quote today
Hiscox provides fast, customized small business insurance coverage just for you.
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! :)
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