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BUSINESS INSURANCE FAQS
Professional liability insurance coverage gives your business protection from the risks you face in delivering your professional services. The section below discusses everything our professional liability insurance coverage offers, since we want you to feel secure about what your policy does and doesn’t cover.
What is covered?
What is not covered?
|Bodily injury or property damage|
|Patents and trade secrets|
|Personally identifiable information|
Alleged or actual negligence
Hiscox professional liability insurance coverage protects your business against errors and omissions, actual or alleged, which occur while providing your professional services. This includes giving incorrect advice, an omission, or failing to deliver your service.
Our job is simple: to be there for you when you need us. When a covered claim is reported, we’ll immediately defend you. We’ll also appoint an attorney if necessary, even if the claim is groundless.
Personal injury (e.g., libel or slander)
Your Hiscox professional liability insurance coverage will protect you against both libel and slander if committed as part of your professional services.
We understand your business faces specific risks. For example, IT or technology consultants can be sued for infringing software code. As a result, we offer IT consultants $200,000 of coverage for damages and claim expenses relating to this risk.
For marketing consultants, we include $200,000 of coverage for damages and claims expenses alleging the infringement of a third party’s copyright or trademark.
Worldwide professional liability insurance coverage
Business knows no boundaries. Neither does our coverage. We cover claims arising from work done around the world as long as the claim is filed in the United States, a U.S. territory or Canada.
Temporary staff and independent contractors
Your professional liability insurance coverage protects you from claims arising from services done by your employees, temporary staff and independent contractors.
Claims arising from services provided in the past
Hiscox is one of the few insurers to cover unknown claims arising from work completed before you were even insured with us. We cover you even before you purchased your first professional liability insurance policy giving you true peace of mind.
Claims and damages
The best-case scenario is to prepare for the worst-case scenario. If you lose a large claim, the costs associated could close your business. Your Hiscox professional liability insurance policy covers claims for damages, including up to $250,000 of punitive damages where allowed by law.
Start your professional liability insurance quote
Get a professional liability insurance quote and buy your coverage today, or call one of our licensed advisors at 866-283-7545 (Monday - Friday, 8 am - 10 pm EST). We would be happy to help.
We want our customers to fully understand what they are buying. Below is a summary of some of the key exclusions of your professional liability policy. For complete details of all the exclusions, please read the policy wording.
Bodily injury or property damage
Hiscox professional liability insurance coverage won't cover damages or claims expenses if you injure or damage someone’s property. If you’d like to be covered for bodily injury or property damage liability, please visit our general liability insurance page.
We won’t cover any fraudulent, dishonest, or criminal acts. However, we’ll defend these actions until they're proven to be fraudulent, dishonest or criminal by proper process in court. If this happens, we’ll kindly request that you reimburse us for those costs.
We will not cover you for claims alleging any improper employment practices committed against your employees or for any workers’ compensation claims or employer’s liability claims.
Your Hiscox professional liability insurance will not cover you for any false advertising claims.
Patents and trade secrets
We will not cover you for any claims that allege an infringement of a patent or theft of a trade secret.
Personally identifiable information
We will not cover your failure to protect any personally identifiable information in your care, custody or control.
We will not cover any medical, nursing, insurance broker/agent, legal, actuarial, architectural or engineering services, regardless of your occupation. We will also not cover any services you perform not specified by the services endorsement attached to your policy.
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Peter, Renton, WA
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"Convenient, affordable and friendly. I loved it. Easy straight to the point, no hassle. Recommended several times already."
Hal, Las Vegas, Nevada
"Live and learn. Thank you Hiscox."
I appreciated the very fast service. The rep's were well informed, interested in my needs, and courteous. I have recommended Hiscox to colleagues and will continue to do so. Hiscox's coverage was priced fairly and is highly competitive. I've been in business for 48 years and wish I'd learned about Hiscox much sooner.
Gregory, Seattle, Washington
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One of the most pleasant services that I have received in a long time. It was courteous, professional, and to the point. Created a great impression of Hiscox and supported the experience I had with the products that I selected.
Stephanie, Baton Rouge, LA
"Great experience! So very helpful and very efficient! They knew their product and helped me streamline the process. I would recommend them to anyone!"
Barbers Ink, Mesquite, TX
"Excellent! Honesty! Professional! Very attentive to my insurance needs as a small business " I really feel like I have the right policy for my business and most of all peace of mind."
Jennifer, Gilbert, AZ
"Perfect experience. Very easy and fast service"
Protection, even if you haven’t made a mistake
Although it may not be your fault, your client has a different view about the scope of work regarding its new invoicing system. They allege the system lacks the functionality required. Being sued for a misunderstanding like this is common.
Luckily, your Hiscox professional liability insurance coverage will defend you against any claim and pay any damages you are liable for, up to the policy limits.
You’re a marketing consultant creating a new advertising campaign for a client. By accident, you use a trademark similar to an unknown business's. Although done unknowingly, you infringed the intellectual property rights of that other business and chances are you may be sued.
If necessary, your Hiscox professional liability insurance coverage will appoint an attorney to defend you, and we’ll pay related damages, up to the policy limits.
You’re an IT or technology consultant. You’re installing software changes for a client when a virus enables hackers to access their customer database file because you disabled the firewall before making the installation. You may be sued.
Don’t worry, call us, and we’ll start defending your business immediately for covered claims and pay for related damages, up to the policy limits.
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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