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New York Business Insurance

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New York Small Business Insurance

As small business insurance specialists we understand that every business is different, which is why we don’t offer one-size-fits-all solution. We customize our small business insurance policies for New York business owners to fit the risks your company faces so you can get the right coverage, right now.

Hiscox small business insurance offered in New York

All small business owners should consider protecting their business with the right small business insurance. Hiscox small business insurance  offers:

Professional Liability Insurance, also known as errors and omissions insurance (E&O insurance)  covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • Dissatisfied client: A marketing consultant is working for a client who continually changes the scope of the project. When the consultant is not able to meet the original deadline for the expanded project, the client sues. Even if you haven’t made a mistake, professional liability insurance coverage could cover the cost of defending you up to policy limits.
  • Negligence: An investment consultant advises a client to invest in a start-up company that goes bankrupt in a year. It is later discovered that the consultant did not thoroughly research the company before advising the client to invest, and the client sues. A professional liability insurance policy could protect the consultant, including defense costs, up to policy limits.

Learn more about professional liability insurance.


Errors and Omissions Insurance or professional liability insurance, protects against accusations of negligence or the failure to perform your professional services, regardless of whether or not you made a mistake. You should seriously consider errors and omissions coverage if your business:

  • Provides a professional service 
  • Regularly gives advice 
  • Is required by a client 

Learn more about errors and omissions insurance.


General liability insurance, known as Commercial General Liability (CGL) protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

    1. Bodily injury: A client trips over their personal trainers workout bag during their training session and breaks their ankle. A general liability insurance policy could cover the claim for medical expenses up to the policy limits.
    2. Property damage A tax preparer gets contracted to do a major corporation’s taxes on site. While setting up the tax preparer spills his tea over the corporation’s server causing irreparable damage. A general liability policy could cover the claim, up to policy limits.
    3. Personal injury: An consultant within a public relations company is overheard talking about one of the company’s top client’s in a rude and unflattering way. The client hears about what was said and sues the company for slander. General liability insurance could cover the subsequent claim, up to general liability policy limits.


Learn more about general liability insurance.


Business Owners Policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

  • Office insurance for fire and business interruption.
  • Electronic data loss insurance.
  • Hired or non-owned vehicle liability insurance.
  • Commercial crime insurance to cover the dishonesty of your employees.


Learn more about business owners policy.



Workers Compensation Insurance

Now Available!


Hiscox now offers state mandated workers compensation insurance to ensure that injured workers receive prompt and fair compensation for work-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 agent, Monday-Friday 8am-10pm ET.


Learn more about workers compensation insurance.



Example professions we insurance in New York:


Not sure what type of New York business insurance is right for you?

Give one of our licensed advisors a call Monday-Friday 8am-10pm ET at 1-866-283-7545 and we will help you find the right insurance for your business.

Our products have been fully approved by the New York Insurance Department and are underwritten by Hiscox Insurance Company Inc., an Illinois insurance company.




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

Holly, NYC, NY
“Put first time buyer at ease”
Hiscox made me a lot more comfortable as I made my first insurance purchase for my new consulting company.

Ed, Oyseter Bay, NY
“Excellent service by Hiscox”
Extremely easy process - from start to finish!

Richard, NYC, NY
“Excellent service by Hiscox”
Good job

Kathleen, Oneonta, NY
I am very impressed. They are very thorough and prompt, I will suggest them to everyone.

Jose, New York , NY
Services and quick response

Kristian, New York, NY

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



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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. Coverage is subject to underwriting and may not be available in all states.

Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 520 Madison Avenue, 32nd Floor, New York, NY 10022.

Hiscox is concerned for the safety and welfare of our customers. Customers who obtain an order of protection against another customer listed on the same policy may call us toll-free at 855-975-6266 to provide us with contact information that will not be disclosed to the person against whom the order was issued, as required by New York law. In addition, the New York State Domestic Violence Hotline may be reached toll-free at (800) 942-6906 and in New York City at (800) 621-HOPE (4673).

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


Mon-Fri: 8am - 10pm ET