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'A' (excellent) rating by A.M. Best. Over 100 years of experience.
Great value - tailored coverage starts from just $22.50/mo.
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BUSINESS INSURANCE FAQS
As an insurance agent, you make sure your clients are protected against risk. Yet you face unique risks in your own business. Hiscox understands these risks and we customize coverage for your specific business needs.
Dissatisfied Customer: A business client purchases liability insurance from you, but it does not include terrorism coverage. There is an incident near the client’s building that causes him to have to close for several weeks during the busiest season of the year. He sues you for the lost revenue because you did not recommend the purchase of terrorism coverage. Your professional liability policy may cover your costs to defend yourself, as well as any settlement or judgment, up to policy limits.
Error by Temporary Staff: You hire a temporary administrative assistant to cover for your regular assistant who is on medical leave. The temp neglects to process the payment for a customer’s liability policy, and ignores the notices from the carrier, causing the policy to lapse. The customer suffers a loss and learns they have no coverage. Your professional liability policy could cover the error by your temporary staff, and may pay the claim up to your policy limit.
Bodily Injury: A client comes to your office on a rainy day and slips on the floor in your waiting area, breaking her hip. She makes a claim for medical costs. Your policy may cover these costs, up to your limit of liability.
Property Damage: You go to a client’s office to take a policy application. While you are there, you knock an expensive collectible off a shelf and it breaks. Your general liability policy could protect you for the cost to replace the item, up to your limit of liability.
Personal Injury: While at lunch, one of your employees talks to the owner of the deli about one of your clients in a false and unflattering way. The client learns of this conversation and sues for slander. We may cover the subsequent claim up to your limit of liability, and pay for an attorney to represent you if necessary.
What's Not Covered: It’s important to note that General Liability insurance provides coverage for claims or lawsuits brought by another person, business, or other party, but provides no coverage for loss or damage to your own property or property you have in your care, custody or control.
Get a fast free quote online from our partner InsuranceBee or call 855-974-6363, Monday – Friday, 9am – 5:30pm ET.
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.
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Underwritten by Hiscox Insurance Company Inc.
104 South Michigan Avenue,
Suite 600, Chicago, IL 60603.