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Find the right insurance for your business
Hiscox provides protection for 180+ professions.
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General
LiabilityWhat is General Liability Insurance?
General Liability (GL) insurance, sometimes called small business insurance or commercial liability insurance, provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury.
Recommended if you or your employees:
- interact with clients face to face
- have access to customer's property
- use advertising to market your company
- use third-party locations for any business-related activities
- enter into contracts that require general liability insurance.
What's covered:
- bodily injury
- damage to third-party property
- personal injury
- advertising injury
- electronic data liability
- medical expenses
- defense costs
- actions of your full-time employees and temporary staff
- supplemental payments
- worldwide insurance coverage.
What's not covered:
- personally identifiable information
- use of vehicles and boats
- your property
- professional services
- employee injury.
The basic protection for claims against your business.
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Professional
Liability (E&O)What is Professional Liability Insurance?
Professional liability insurance, also called errors and omissions (E&O) or indemnity insurance, protects your business if you are sued for negligently performing your services, even if you haven’t made a mistake.
Recommended if your business:
- provides a professional service
- regularly gives advice to clients
- is requested by a client to have professional liability insurance to complete a contract.
What's covered:
- alleged or actual negligence
- defense costs
- personal injury (e.g., libel or slander)
- temporary staff and independent contractors
- claims arising from services provided in the past
- worldwide coverage
- claims and damages.
What's not covered:
- bodily injury or property damage
- fraudulent acts
- employment matters
- false advertising
- personally identifiable information
- other services.
Protection for specific risks in your field.
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Business
Owners PolicyWhat is a Business Owners Policy?
A Business Owners Policy (BOP) is an enhanced insurance policy that combines general liability insurance and property insurance.
Recommended if your business:
- needs general liability insurance coverage
- has business equipment such as computers, printers and furniture
- owns the building at which your work and need to insure the property
- owns and works with large amounts of data on a regular basis
- has employees who could act dishonestly or steal clients' property.
What's covered:
What's not covered:
- certain claims, including those arising from professional services you perform
- client damages if you provide inaccurate or incomplete advice to a client.
General Liability plus coverage for property.
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Cyber
SecurityWhat is Cyber Security Insurance?
Cyber security insurance protects businesses against computer-related crimes and losses. This can include targeted attacks, such as malware and phishing, as well as the occasional misplaced laptop containing confidential material.
Recommended if your business:
- accepts credit cards or other digital payment types
- uses computers and mobile devices
- stores confidential customer information
- keeps medical or financial data.
Cyber Security Insurance Covers:
- lost business revenue and data recovery costs due to a breach or extortion threat
- money lost due to a fraudulent instruction by a third party (known as phishing)
- defense against privacy lawsuits and regulatory fines
- and more...
Sample claims scenarios:
- phishing email leads to ransomware
- media firm experiences a breach of client information.
Protection from cyber-related security risks.
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Short-Term
LiabilityWhat is Short-Term Liability Insurance?
Short-term liability insurance provides protection against claims and lawsuits for a specific period of time, whether that's months, weeks, days or even hours.
Recommended if you business:
- has a short-term project that requires insurance coverage
- is bidding on a project that requires more insurance coverage than you currently have
- is seasonal and only needs coverage for certain times of year.
How does Short-Term Liability work?
Short-term liability insurance provides coverage for a specific period of time.
There are two types:
- on demand coverage is insurance for a certain time period, whether that is hours, days, weeks or months.
- monthly renewable coverage is a policy you purchase for a month, with automatic renewals each subsequent month until you cancel.
Sample Claim Scenarios:
- damage to expensive plantings
- negligence in performing services.
Purchase coverage for a specific period of time.
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Medical
Malpractice (E&O)What is Medical Malpractice Insurance?
Malpractice (also called medical professional E&O) insurance provides protection against claims and lawsuits arising from services related to patient care. This coverage goes beyond traditional general liability insurance to include errors and omissions.
Recommended if your business:
- Provides direct patient care
- Consults on or monitors patient care
- Rents out, sells, or services medical equipment
- Employs or contracts with healthcare workers.
Medical Malpractice Insurance covers:
- Professional Liability
- General Liability
- Workplace Liability
- Healthcare Insurance Portability and Accountability Act (“HIPAA”) Fines and Penalties, and Notication Costs
- Coverage extends to employees and independent contractors
- and more...
Sample claims scenarios:
- A patient falls while being transferred from the bed to their wheelchair
- A patient dies during a routine procedure and the family sues
- A visitor slips on a wet floor and is injured.
Protection for claims against your medical practice.
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Workers
CompWhat is Workers Comp Insurance?
Workers Compensation Insurance covers the costs associated with a work-related accident or illness. If an employee becomes ill, is injured, or even dies on the job, Workers Compensation Insurance can cover medical costs and lost wages.
Workers Compensation Insurance is mandatory in nearly every state.
Recommended if your business:
Has W-2 employees, including part-time or seasonal workers. Penalties apply in most states if you have employees and do not carry Workers Compensation Insurance.
What does Workers Compensation Insurance cover?
- Medical costs incurred by an employee who is injured or becomes ill on the job.
- Lost wages while an employee recovers from a work-related illness or injury.
- Death of an employee on the job.
Sample claims scenarios:
- An employee drops a box on their foot and breaks three toes. Insurance covers their medical costs and wages while they recuperate.
- A computer technician slips a disk in their back while trying to install a server. Medical costs and lost wages are covered by insurance.
Protection for employees who are injured or become ill on the job.
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More
CoveragesCommercial Auto:
Commercial Auto Insurance includes coverage for physical damage to owned, rented, hired or employee vehicles and medical costs for you, your employees and any other passengers, as well as auto liability coverage.
Umbrella Insurance:
Umbrella Insurance provides increased policy limits, above the primary liability limits in the case of large claims. Upgrade your coverage to this premium policy to protect against excessive liability.
More:
- employment practices liability insurance
- directors & officers insurance
Umbrella, Auto, Directors and Officers, and more.
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General
LiabilityThe basic protection for claims against your business.
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Professional
Liability (E&O)Protection for specific risks in your field.
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Business
Owners PolicyGeneral Liability plus coverage for property.
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Cyber
SecurityProtection from cyber-related security risks.
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Short-Term
LiabilityPurchase coverage for a specific period of time.
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Medical
Malpractice (E&O)Protection for claims against your medical practice.
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Workers
CompProtection for employees who are injured or become ill on the job.
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More
CoveragesUmbrella, Auto, Directors and Officers, and more.
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Why over 400,000 small businesses choose Hiscox
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Tailored. Policies customized just for you.
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Simple. Fast quotes, instant coverage, quick claims.
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Established. Supporting the courageous since 1901.
Customer reviews
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Emanual
Easy Self Maintenance Policy
Up & running in less than 10 minutes. Never had a claim so all is great so far. -
Aaron
Get’s no better
Quick and easy approval process, Very affordable with quality business, HIGHLY RECOMMEND. -
Jan
I will use Hiscox again and again! :)
Quick and easy online service. -
Teresa
Great customer service.
Customer service was very friendly and knowledgeable. I needed to make a few changes to my policy and they made it very easy to do… -
Matthew
A stress-free, easy option for business liability insurance, and more! Hiscox has provided a stress-free, easy option to purchasing quality business liability insurance (and more), and stayed focused on providing valuable resources for me and my business…
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Shaundra
Ease of acquiring the insurance (protection) I needed to fit my business and my budget.
