General Liability Insurance - Small Business General Liability Insurance | Hiscox
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General Liability Insurance

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Why do you need general liability insurance?

Our general liability insurance coverage also called commercial general liability insurance, protects your business from third party claims for bodily injury, associated medical costs and damage to someone else's property.


You should consider this coverage if you or your employees:

  • visit a client's place of work, or clients visit yours.
  • have access to a client's equipment. (i.e., a client's server).
  • write or speak about a client's business.
  • use third-party locations for any business related activities.
  • are required to have general liability insurance before entering into a contract.

For example, while visiting a client's premises, the client trips over your briefcase and gets injured - your business may be liable. Your fault or not, our general liability coverage will protect your business against covered claims by paying defense costs and any damages up to your policy limit.


Additional coverage benefits:

  • Special rate reductions: Hiscox is always looking for ways to lower your general liability insurance costs. For example, if your business is home based, we offer a rate reduction of up to 10%.
  • Claims responsiveness: If a covered claim is reported to us, Hiscox will immediately handle the claim even if the claim has no basis and, if necessary, appoint an attorney to defend you.

  • Monthly payment options: Hiscox offers the option of making monthly payments (with no additional fees) to help manage your cash flow.


Why choose Hiscox?


Hiscox specializes in insuring professional services businesses like yours.


  • Tailored coverage: We specialize in businesses like yours and tailor coverage to the risks in your field.
  • Passion for service: Knowledgeable agents provide exceptional service - 96% of people surveyed recommend us.
  • Coverage for contracts: Our general liability coverage satisfies most standard contract insurance requirements.
  • Fast and simple: Online quotes or speak to a licensed agent - immediate coverage.
  • Confidence: Hiscox Insurance Company Inc. is 'A' rated (Excellent) by A.M. Best.

Learn more about the benefits of choosing Hiscox insurance.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


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