Small Business General Liability Insurance - Details about General Liability Insurance Coverage | Hiscox
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Small Business General Liability Insurance Coverage

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Why do I need general liability insurance coverage?

Hiscox understands the risks your company faces and the importance of knowing your business is properly protected. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else's property. However, it does not protect your own personal property. This section explains what our business general liability insurance offers.

 

        What is covered?

 

What is not covered?

  • Alleged or actual negligence
  Your property
  • Damage to third party property
  Vehicles and boats
  • Personal injury
  Personal identifiable information
  • Advertising injury
  Professional services
  • Electronic data liability
  Employee injury / workers' compensation
  • Medical expenses
  Intent to injure
  • Worldwide insurance coverage
  Coverage outside policy period
  • Defense costs
  Known claims prior to start of policy
  • Actions of your full-time employees and temporary staff
  
  • Supplemental payments
  

 

Your small business general liability insurance policy covers claims of:

 

Bodily injury

If you’re legally liable, Hiscox general liability insurance covers claims by third parties for bodily injury. For example, your client slips and falls in your office (or you cause an accident at a client’s premises). If they sustain an injury, and you’re liable, we’ll cover the subsequent bodily injury claim.

 

Damage to third party property

Hiscox small business general liability insurance covers the costs of damage to a third-party’s property caused by you or your employee and for which you are legally liable.

 

Personal injury

Hiscox general liability insurance coverage protects you against claims of libel or slander for which you are legally liable.

 

Advertising injury

Hiscox protects you against the unintentional use of a third party's advertising idea if it is used as part of your advertising. We’ll also protect you if your advertisement or marketing materials infringe a third party’s copyright or trade slogan.

 

Electronic data liability

Added for consultants and technology service providers; - if an employee damages a client’s property (e.g., a server) and the client's electronic data is damaged, Hiscox will cover any damages up to your limits of insurance for which you are legally liable.

 

Medical expenses

If an accident occurs and someone other than your employee is injured, your Hiscox business general liability insurance policy also covers any associated medical expenses for each injured person, up to $5,000.

 

Worldwide insurance coverage

We cover damage that occurs in the United States, its territories, and Canada. We also offer coverage for short periods of travel outside these areas.

 

Defense costs

If you are sued, Hiscox will appoint a lawyer, if necessary, even if the lawsuit is groundless. We'll pay these costs on your behalf and they will not reduce your limit of liability.

 

Actions of your full-time employees and temporary staff

Hiscox provides general liability insurance coverage for business-related actions of your full-time employees and temporary staff.

 

Supplemental payments

Hiscox covers the following expenses if incurred:

  • Legal defense costs.
  • Up to $250 a day for loss of earnings and reasonable expenses you may incur as a result of assisting us in the investigation of the claim against you.
  • Interest on damage awards.

 

Begin the general liability quote process

Get a small business general liability insurance quote online today or call one of our licensed advisors at 866-283-7545 (Monday - Friday, 8 am - 10 pm EST). We're here to help you.

 

What your Hiscox small business general liability insurance policy doesn't cover:

 

We want our customers to understand our general liability insurance policy. Below is a summary of some of the key exclusions regarding our general liability insurance coverage. For complete details of all the exclusions, please read the policy wording.

 

Personally identifiable information

Your general liability insurance policy doesn't cover your failure to protect any personally identifiable information that is in your care, custody or control.

 

Use of vehicles and boats

Your policy doesn't cover any claims arising out of the ownership or use of an automobile, aircraft or watercraft.

 

Your property

Your policy does not cover claims for damage to property you own or the property of others in your care, custody or control.

 

Professional services

Your Hiscox general liability insurance policy does not cover any professional services performed by you. For example, claims for improper advice are not covered under general liability. To obtain coverage for your services, please see our information about professional liability insurance.

 

Employee injury

If one of your employees injures themselves on the job this will not be covered under your general liability insurance. To obtain coverage for on-the-job employee injury, please see our information about workers’ compensation insurance.

Reviews

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

 

 

Gary, Whatcom County, WA
"Great interactions, very professional and great desire to answer any questions." I used both the internet and the phone to ask questions, all of which were handled well with people who knew the product and billing questions.  Life was simple once I found them to get my practice up and running."

 

 

 

Mel Stout, Bend, OR
"Satisfied customer. Representatives were very helpful and easy to work with."

 

 

 

Dinah, Louisiana
"Just what I needed. It was quick and easy, all over the phone. I received a post card in the mail a few days after registering an LLC for my freelance photography business with the state and local government. I called and they had exactly what I needed. I would definitely recommend the company."

 

 

Eric, Texas
"Very easy and clear. Not difficult in any way to edit and revise my plan before purchase. It was affordable and covered everything I need for my small business."

 

 

Glen, Phoenix, AZ
"Top notch experience. I had a very positive experience - needed professional liability coverage quickly and was first time buying.  Hiscox staff were knowledgeable, professional, ethical - not trying to sell me more than I needed, and I got the coverage I needed within 24 hours."

 

 

HEM Communications, Inc., Fontana, California
"Great fast service.it was a straightforward transaction, very easy to use interface, fast processing and I got my policy within 15 minutes. I definitely would recommend Hiscox Insurance to other business owners."

 

 

 

George, Norcross, Georgia
"A great insurance agency for small, medium and large business. Friendly customer service and great business insurance solutions."

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