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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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More
CoveragesWorkers Compensation:
Workers compensation insurance protects your employees and your business from work-related accidents, illnesses, and even death.
Commercial 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
Workers Comp, 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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More
CoveragesWorkers Comp, Umbrella, Auto, Directors and Officers, and more.
Why over 300,000 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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Vera
“Professional and empathic towards my needs. Clearly explained policy coverage options I did not understand. Took my call late at night, just before 10pm closing time it never rushed me.”
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Joshua
“There was a real person who was genuinely interested in my business and the decisions I was making and putting together a solution that would be most effective to my long term goals.”
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Jitin
“Simple and straightforward. Completely automated and expedient process, allowing me to get right back to doing billable work. Hiscox has nailed the process for individual consultants!”
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Cheryl
“It was fast, easy, clear, simple, direct, which are all the things that I love”
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Patrick
Great Service + Great Value.
The agent was knowledgeable, professional, thorough, and responsive. In 20 minutes I had liability coverage for my organization. Well Done! -
Rosinei
I chose Hiscox as my insurance company and I have had a very good experience with them, super easy to apply and cheaper, and recently referred a friend and won a gift card from Amazon, I am very satisfied. Thank you very much Hiscox.
Joshua
Cheryl
