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BOP Insurance & General Liability Insurance

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Having BOP insurance that includes general liability insurance provides your business with third party protection against bodily injury, property damage, personal injury and more. 

 

        What is covered?

 

What is not covered?

  • Bodily injury
  Personally Identifiable Information
  • Property damage
  Use of vehicles and boats
  • Personal injury
  Your property
  • Advertising injury
  Professional services
  • Electronic data liability
  
  • Medical expenses
  
  • Damages to premises rented by you
  
  • Worldwide insurance coverage
  
  • Defense costs
  
  • Actions of your full time and temporary staff
  
  • Supplemental payments
  

 

Business owners policy with general liability insurance does cover:

 

Bodily injury

You’re covered if someone other than yourself, or an employee is injured at your workplace, and if you’re held legally liable. We also cover legal costs if you’re sued without reducing your limits of liability.

 

Property damage

You need not worry if you accidentally damage someone else’s property because we’ll cover claims of damage if you’re held legally liable. We also cover legal costs if you’re sued, without reducing your limits of liability.

 

Personal injury

Hiscox protects you against claims of libel or slander incurred through the delivery of your professional services.

 

Advertising injury

We protect you against the unintentional use of a third party’s advertising idea, copyright or trade slogan if it’s used as part of your advertising (press advertisement or email).

 

Electronic data liability

Added for consultants and technology service providers, we cover your liability for loss of someone’s electronic data resulting from the physical damage of property (e.g., an employee accidentally damages a client’s server resulting in the loss of the client's data).

 

Medical expenses

If an accident occurs and a third party is injured, your Hiscox general liability insurance policy will also cover any associated medical expenses up to $5,000 for each injured person.

 

Damages to premises rented to you

If you rent or use a property with permission of the owner (e.g., office space or a conference facility) and cause a fire, our policy provides protection from such a liability claim.

 

Worldwide insurance coverage

We cover damages occurring in the United States, its territories and Canada. We also offer some coverage for short periods of travel outside these areas.

 

Defense costs

If you’re sued, we'll appoint an attorney to defend you, if necessary. We’ll defend a lawsuit even if the claims are groundless, and we’ll pay the defense costs on your behalf without reducing your limits of liability.

 

Actions of your full-time employees and temporary staff

We provide coverage for the actions of your full-time employees and temporary staff that are performed on behalf of your business.

 

Supplemental payments

We cover the following without reducing your limit of liability:

  • All expenses we incur, including the defense of lawsuits
  • Up to $250 a day for loss of earnings and reasonable expenses incurred while assisting us in the investigation of the claim against you.

 

Your Hiscox business owners policy  including general liability insurance does not cover:

 

Personally identifiable information

We won’t cover your failure to protect any personally identifiable information that is in your care, custody or control.

 

Use of vehicles and boats

We won't cover any claims arising out of the ownership or use of an automobile or a watercraft.

 

Your property

We won’t cover claims for damage to property you own or the property of others you may have in your care, custody or control.

 

Professional services

Your Hiscox general liability policy will not cover any professional services performed by you. To obtain coverage for your services, please see our coverage page for professional liability insurance.

Reviews



Rated 97% for service on feefo – 6,072 reviews

 


Deborah, California
"
Good service over the phone"
agent was polite and helpful, also pleasant

 



Jay, Dallas, Texas
"
People and process were very impressive, as were prices, highly recommend."
I was very impressed. Helpful, honest and made it easy. I didn't feel at all like I was being hard sold, and their hand-offs were pretty good - good IT system and people training. One thing I think they should do is let people ... know 'who' Hiscox is - didn't realize it was a big company and had been around for a while. When buying off the internet, that would calm fears.

 

Judy, Flagstaff, AZ
"
Highly recommend, easy to recalculate premium by changing coverage amounts and types."
Very easy. Chat feature answered my questions.

 


Michael, Atlanta
"
Exceptional!"
Exceptional!

 

Randy, Chicago
"You need to purchase your small business insurance here"
The online application process was very easy to use. It was fast at calculating the cost of the policy and gave very good links to the forms needed and requested by clients.

 

 

Ammie, Victorville, CA
"
Met all my needs"
I would recommend this company. Great customer service, great prices, and great coverage.

 

 

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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!

866-283-7545

Mon-Fri: 8am - 10pm EST