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What is General Liability Insurance?

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At Hiscox, we know business insurance can be a complex subject. Below, we’ve compiled answers to some common questions people frequently ask about general liability insurance.


Why should I choose a Hiscox general liability insurance policy?

All businesses should have general liability insurance, no matter how big or small. It is particularly important for businesses that frequently visit clients’ premises, such as IT and technology consultants, business consultants and marketing consultants.


Why is the Hiscox quote-and-buy process so much simpler than other insurers'?

We don’t have a generic, one-size-fits-all application process, and we only ask questions that are directly relevant to your business and industry. This means you can buy coverage in a much more efficient way.


It just makes sense that you should be able to buy general liability insurance direct and online in real time. With Hiscox, you can quote and buy your insurance online today or call one of our licensed advisors at 866-283-7545 (Monday - Friday, 8am-10pm EST).


How do I benefit from buying direct from Hiscox?

As specialists in insuring professional services businesses, we understand the risks you face, and we are able to price your policy based on this knowledge.


Also, by buying directly, you don’t have to contact a third party to get what you need. Our licensed advisors primarily speak with small, professional services businesses. Because our advisors understand you and the risks you face, they can help you customize coverage to your needs and explain the benefits of our policies in plain language.


How does Hiscox tailor a general liability policy to meet my specific needs?

The Hiscox Group has been insuring businesses globally for over 100 years. Experience has its benefits — like our knowing how to tailor your policy to fit your needs. Hiscox provides a wide range of limit and deductible options, so you can choose the level of general liability insurance coverage that is right for your business. As your business changes, you can contact us to change the limits of your protection accordingly.


What types of businesses does Hiscox offer general liability insurance to?

If you own a professional services business, then we can help. Our insurance policies include IT consultant insurance, marketing consultant insurance and business consultant insurance and many other types of professional business insurance. We would also insure recruitment consultants, PR specialists, graphic designers, interior designers and many other businesses.


If you don’t see your specific profession listed, just contact us to find out if we can offer you general liability insurance.


What is the difference between a per occurrence limit and an aggregate limit?

Insurance is filled with complex terms and big words, but we do try to keep things simple.


Most small business general liability policies will have two limits. The per occurrence limit is the maximum Hiscox will pay for claims arising from a single occurrence. The aggregate limit is the maximum amount that we will pay in total during the policy term (usually a policy covers a year).


Many small businesses select a per occurrence limit of $1 million and an aggregate limit of $2 million. To find out what limit you need, please speak to a Hiscox licensed advisor at 866-283-7545 (Monday - Friday, 8am-10pm EST.) We’ll help you get what you need and understand exactly what coverage you’re getting.


What do I need to get a general liability insurance quote?

We’ll ask you some questions about your business, including name, address, previous claims, business activities, payroll amounts and the number of years you have been in business.


Start Your Quote

The Hiscox general liability insurance quote process is very simple, whether you go online or call one of our licensed advisors at 866-283-7545 (Monday - Friday, 8am-10pm EST).


I need general liability insurance for a contract. Can I get insured today?

Yes. We know many clients will ask you to have a minimum level of general liability insurance coverage before they’ll even begin a business relationship with you. Typically, they’ll want to have proof you have $1 million of general liability in place. That may mean you need it now. We can do that.


Hiscox can provide this for you direct and online, or you can call one of our licensed advisors at 866-283-7545 (Monday - Friday, 8am-10pm EST). Once the application process is completed, your policy will be issued via email. You’ll receive your certificate of insurance in the welcome documents, which you can then email to your client as proof of insurance.


How can I save money on my general liability insurance?

You’re buying directly from Hiscox, which means you can save and receive greater overall value. Also, if your business actively manages its risk, then it is the type of business we like to reward with rate reductions. We’ll ask you about this during the quote-and-buy process.


We will also offer up to a 5% rate reduction if you buy two or more Hiscox insurance products from us.


How much does a general liability insurance policy cost?

It varies, depending on several factors, such as where your business is located and the size and type of the business. However, our minimum premiums start from as little as $350 per year. See our general liability insurance costs page for sample rates.


Is general liability insurance available in my state?

We currently offer our insurance products in many states across the U.S. – view our general liability insurance state page for details.


Not in your state? Even if we don’t currently offer our products direct and online in your state, we can still help. We have access to insurance broker specialists across the U.S. who may be able to assist you. Contact one of our licensed advisors at 866-283-7545 (Monday - Friday, 8am-10pm EST) today.


What should I do if I need to make a claim?

Call us. It doesn’t matter what time or day it is, you can report a covered claim 24 hours a day, 7 days a week. All you need to do is call us now at 866-424-8508. We’ll begin to defend your business immediately and, if necessary, we’ll appoint a lawyer on your behalf.


Visit our small business insurance claims page for more information.


What payment options exist for my general liability policy?

Several. Hiscox offers a range of payment options, including debit and credit cards (Visa, MasterCard and American Express). You may also choose to pay the full amount in one lump sum each year or to pay monthly (with no additional fees) over time.


What coverage limits do you offer?

We offer a wide range of general liability limits starting from $300,000 to $2,000,000. Clients often ask for a minimum of $1 million of coverage, but this can vary depending on the size of the organization and project you are working on. If you need more coverage or you’re not sure what limit is right for your business, call one of our licensed advisors at 866-283-7545 (Monday - Friday, 8am-10pm EST) we’ll help guide you according to your specific business needs.


What deductible options do you offer?

There is no deductible with our general liability insurance policy. You can quickly get a general liability insurance quote online and select different deductible amounts to see how they affect your premium, or call one of our licensed advisors at 866-283-7545 (Monday - Friday, 8am-10pm EST).


What happens if I cancel my policy?

You can cancel your Hiscox policy at any time and we will refund any premium owed to you. However, as soon as you cancel your policy, you will no longer have any protection in place for potential claims and/or losses.


Does a Hiscox general liability policy cover work completed by temporary staff?

Yes. General liability insurance claims arising from full-time, part-time or temporary employees are covered. 


Why buy general liability coverage from Hiscox?

Hiscox Insurance Company Inc. enjoys an ‘A’ (Excellent) rating from A.M. Best and is a member of the Hiscox Group, with over 100 years experience insuring businesses.


Rated 4.8/5 for customer satisfaction – 8,531 reviews



Sandra, Virginia
"Hiscox makes the process easy! I had a potential new contract that bizarrely, required commercial general liability, despite me being a 1-person company, working in a secure home office, on a computer. I called 4 companies, recommended by colleagues. Hiscox was easiest to work with; the woman I got when I called, took all my information, made recommendations to suit my situation, so I signed up. The other insurance companies required me to complete long forms, with many (irrelevant to my situation) questions, then called me between a week and 2 weeks later, with policy estimates that were much more expensive and clearly intended to insure larger complex companies. "



Dee Taylor-Jolley, Washington, DC
"Easy to work with.
Easy to work with. Business finance options were clear."




Alan, Maryland
"Hiscox makes it easy to independently evaluate their services and just as easy to follow up and close the deal. I found their information clear and to the point and easy to follow up on."

Toni Farina, Horsham, PA
"Easy transaction from start to finish. Smooth easy transaction.  I would recommend Hiscox Insurance to others."



Mary, New Jersey
"Educated professional service.
Very prompt knowledgeable service."


Kristian, New York, NY
"Technology Policy, Great. Agent had clear knowledge of policy and my needs. Answered my questions and gave me advise."


John R., Connecticut
"Simple, straightforward, and efficient.
There was no wasted time on the phone and the representative was able to answer questions fully. Great value for coverages provided."

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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What is General Liability Insurance?

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