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Liability Insurance in San Francisco

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Why choose Hiscox Small Business Insurance?


Hiscox offers small businesses a new way to buy business insurance in California (and all other states except Alaska) starting at $22.50 a month either online or over the phone from a licensed agent in minutes. We specialize in general liability insurance, professional liability insurance (also known as errors and omissions insurance) and business owners policy. Buy business insurance tailored to your profession starting with a fast, free quote now.


General Liability Insurance more commonly known as Commercial General Liability (CGL) protects your business from another business or person’s claims of bodily injury, associated medial costs, and damage to property. An example of this could be:


  • Bodily injury: A client comes in to review plans in an architect’s office on a rainy day. The client slips and falls in the wet foyer, requiring a trip to the emergency room. General liability insurance could cover the claim for medical expenses up to the policy limit.


Professional Liability Insurance often referred to  as errors and omissions insurance (E&O insurance) covers another person’s claims against businesses that offer professional and personal services. An example of this could be:


  • Negligence: A personal trainer advises a client to perform a series of exercises. The client then complains of back pain, which turns out to be due to a previous injury that was not disclosed to the trainer. The client makes a claim of negligence against the trainer. A professional liability policy could cover the cost to defend the trainer, including settlement or judgment, up to policy limits.


Business Owners Policy (BOP) is a combination of general liability and business property insurance. BOP offers balanced coverage for small businesses interested in protecting their own business equipment. An example of this could be:


  • Office insurance for business interruption: While photographing a wedding on a boat, one of the photographer’s expensive cameras goes overboard into the bay. A business owner’s policy could cover the cost to replace the camera, subject to policy limits, and keep the business up and running.




Workers Compensation Insurance

Now Available!

Hiscox now offers state mandated workers compensation insurance to ensure that injured workers receive prompt and fair compensation for job-related injuries and diseases. In most states, laws require you to pay for an injured worker’s medical care, lost wages, and death benefits. A Hiscox Workers Compensation Insurance policy must be purchased with another Hiscox business insurance policy. To get a free quote, call us at 855-743-2308 and speak to a licensed insurance agent, Mon-Fri 8am-10pm ET.


Learn more about workers compensation insurance.



Compare Hiscox to the competition 

Hiscox is the first to offer small business insurance coverage specifically for professional services businesses, with 10 employees or less, direct and online in real-time. Get customized coverage at competitive rates when you buy Hiscox insurance.


Other reasons to consider us:


Our considerable experience has made us America’s #1 small business insurer and has given our regional operation an in-depth knowledge of the local market place, supporting our core strategy: to make decision-makers both expert and accessible and distinguish ourselves from competitors through superior service and local understanding.


About our San Francisco Office:

While there are other Bay area insurance companies here, the Hiscox Business Insurance office in San Francisco boasts being strategically located between the Golden Gate Bridge and Fisherman’s Wharf, two of the most iconic features of the city. California business insurance is the focus of our San Francisco office and is comprised of underwriters, claims and national business leaders responsible for technology errors and omissions insurance (or E&O insurance also known as professional liability insurance), product innovation, and claims.


San Francisco, located in northern California, is the cultural and economic hub and is known for breath taking scenery and historic popular culture. Many people think of the rolling hills, colorful row houses and cable cars, however, this is also a great financial center as many San Francisco companies are international in scope and dimension. Scouring the impressive skyline, the Transamerica Pyramid rises distinctly above the commercial city center and warrants recognition.

Hiscox San Francisco Office
101 California Street
Suite 1950
San Francisco, CA 94111

Tel: 415-326-7260


Hiscox Customer Reviews

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

Northwest Region


Doc, San Francisco, California
“Great rates and professional service!”


Ann, San Francisco, California
“My insurance problem was resolved. The representative was pleasant, professional, and efficient in helping m insurance need. I recommended your company to another peer in my field and would continue to do so.”


Phil, San Francisco, California  
“Excellent service from Hiscox for General Liability insurance.”


Jacqueline, San Francisco, California 
“Quick service. It was very easy.”


Garth, M. Anaheim, CA
"Fantastic fast and easy. Completed purchase online. Lowest price I could find. Service was fantastic. I was able to complete my purchase entirely online quickly and got a great price. The application was easy and fast to fill out and answered all of my questions. I am sorry I had never heard of Hiscox before but glad I found it now."


Alejandra, California 
“East and surprisingly enjoyable experience. It was a very easy and enjoyable experience. I was not anticipating that. I had contacted other insurance companies prior contacting Hiscox. The agent I talked to was knowledgeable and genuine in her curiosity and friendliness. I felt taken care of. Also, the quote was lower than other insurance companies and it fit my budget.”


Stacie, San Diego, CA 
“IT WAS VERY EASY AND FAST TO GET A QUOTE AND THEN A POLICY!!! excellent customer service!!”


Susan, Lafayette, California 
“Excellent all the way around! :-) I got very prompt, efficient service. Also, you had the very best rate for my made all the difference so i could afford to rent a very small office space to tutor my students! Thanks again. I would definitely use this company again and happy to recommend to friends”



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


Mon-Fri: 8am - 10pm EST