ARCHITECTURE & ENGINEERINGtop
Available Products: PL & GL* | Revenue Limits: $500K | Coverage/Liability Limits: $3M | State Exclusions: No PL in VA, VT
✓  Architecture ✓  Engineering design services
✓  Building/construction inspection ✓  Environmental engineering
✓  Civil engineering ✓  Industrial engineering
✓  Control systems integration/automation ✓  Landscape architect
✓  Draftsman (including CAD/CAM) ✓  Process engineering 
✓  Electrical engineering ✓  Project manager (architecture or engineering)
✓  Engineering ✓  Transportation engineering  
ARTISAN CONTRACTORStop
Available Products: GL* | GL Revenue Limit: $500K | Coverage/Liability Limits: $2M | State Exclusions: NY
✓  Air conditioning systems installation and repair ✓  Handyperson (no roof work)
✓  Appliance and accessories installation and repair ✓  Heating and air conditioning installation and repair (no liquefied petroleum gas (LPG))
✓  Carpentry (interior only) ✓  Interior finishing work
✓  Carpet, rug, furniture, or upholstery cleaning (customer’s premises only) ✓  Locksmiths
✓  Clock making and repair ✓  Masonry work 
✓  Door or window installation and repair ✓  Painting (interior only)
✓  Driveway or sidewalk paving/repaving ✓  Plastering or stucco work
✓  Drywall or wallboard installation and repair ✓  Plumbing (commercial and residential)
✓  Electrical work (interior only) ✓  Sign painting and lettering (interior and exterior)
✓  Fence installation and repair ✓  Tile, stone, marble, mosaic, or terrazzo work (interior only)
✓  Floor covering installation (no ceramic tile or stone) ✓  Upholstery work
✓  Glass installation and repair (no auto work) ✓  Window cleaning (nothing above 15 feet)
CONSULTINGtop
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Business consulting ✓  Marketing consulting
✓  Education consulting ✓  Research consulting
✓  Human Resources (HR) consulting ✓  Resume consulting
✓  IT consulting ✓  Strategy consulting
✓  Management consulting ✓  Other consulting services
CREATIVE & DESIGNtop
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Graphic design ✓  Photography; Client videography
✓  Photo booths ✓  Visual effect designer for films/videos
Available Products: PL & GL* | PL/GL Revenue Limit: $5M  | Coverage/Liability Limits: $5M | State Exclusions: No PL in VA, VT 
✓  Interior design ✓  Professional organizer
FINANCIAL SERVICEStop
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Accounting (PL Revenue Limit: $1M | PL Coverage/Liability Limit: $3M) ✓  Medical billing  (No PL in NY)
✓  Bookkeeping ✓  Tax preparation
Available Products: GL, BOP* | GL Revenue Limit: $5M  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Actuarial services   ✓  Mortgage brokering/banking 
Available Products: GL* | GL Revenue Limit: $5M  | Coverage/Liability Limit: $5M
✓  Financial auditing or consulting ✓  Stock brokering
✓  Investment advice    
Available Products: PL* | PL Revenue Limit: $1M  | Coverage/Liability Limit: $3M
✓  Insurance agent services    
HEALTH, BEAUTY & FITNESStop
Available Products: PL & GL* | PL/GL Revenue Limit: $5M  | Coverage/Liability Limits: $5M (PL Cap $1M in IL)
✓  Acupressure services  (No coverage in NV) ✓  Massage therapy
✓  Acupuncture services  (No coverage in NV) ✓  Mental health counseling 
✓  Art therapy ✓  Music therapy 
✓  Audiology  (No PL in NV) ✓  Nail technician services 
✓  Barber/hair stylist services ✓  Occupational therapy
✓  Beautician/cosmetology services ✓  Personal training (health & fitness)
✓  Dance therapy  ✓  Psychology 
✓  Diet/nutrition services  ✓  Pilates instruction 
✓  Drama therapy  ✓  Small salon owner
✓  Esthetician services ✓  Social work services
✓  First aid and CPR training ✓  Speech therapy  (No coverage in NV)
✓  Hypnosis ✓  Substance abuse counseling
✓  Marriage and family therapy ✓  Yoga instruction 
JANITORIAL SERVICEStop
Available Products: GL* | GL Payroll Limit: $500K | Coverage/Liability Limit: $2M
✓  Dryer vent cleaning ✓  Residential cleaning services (interior and exterior)
✓  Janitorial/cleaning services ✓  Small commercial office cleaning (interior only)
LANDSCAPING SERVICEStop
Available Products: GL* | GL Payroll Limit: $500K | Coverage/Liability Limit: $2M 
✓  Gutter or chimney cleaning ✓  Lawn care services (residential and commercial)
✓  Landscaping/gardening services (residential and commercial) ✓  Snow blowing and removal (no auto coverage)
LEGAL SERVICEStop
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Claims adjusting  (No PL in NY) ✓  Expert witness services
✓  Court reporting ✓  Notary services  (No PL in CA)
✓  Document preparation ✓  Process server
Available Products: GL, BOP* | GL Square Footage Cap: 35K  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Legal services ✓  Trustee services 
MARKETING & PUBLIC RELATIONStop
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Advertising ✓  Marketing/media consulting
✓  Brand consultant    ✓  Public relations 
✓  Digital marketing ✓  Search engine services (SEO/SEM)
✓  Direct marketing  ✓  Social media consultant
✓  Market research   ✓  Other marketing/PR services
MISCELLANEOUS BUSINESS SERVICEStop
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Answering/paging services ✓  Project management  
✓  Auctioneering ✓  Recruiting (employment placements)
✓  Business manager services ✓  Talent agency
✓  Event planning/promotion  ✓  Training (business, vocational or life skills)
✓  Executive placement ✓  Translating/interpreting
✓  Life/career/executive coaching ✓  Travel agency
✓  Personal concierge/assistant ✓  Tutoring
REAL ESTATEtop
Available Products: PL & GL* | PL/GL Revenue Limit: $5M ($500K in CA) | Coverage/Liability Limits: $5M ($3M in CA, $1M in NY) | State Exclusions:  No PL in CO, IA, ID, KY, LA, MS, ND, NE, NM, RI, SD, TN, WY
✓  Property management ✓  Real estate agent/broker (GL Payroll Limit: $3M | No PL in VT)
RETAILtop
Available Products: GL* | GL Revenue Limit: $3M | Coverage/Liability Limit: $2M
✓  Appliance stores ✓  Home furnishing stores
✓  Clothing apparel stores ✓  Jewelry stores
✓  Electronic stores ✓  Other stores (no food/drink)
✓  Florists ✓  Other stores (with food/drinks)
TECHNOLOGYtop
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M  | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓  Application development: smartphone/mobile/tablet
 (PL Cap $1M)
✓  IT consulting
✓  Application service provider   ✓  IT project management 
✓  Computer consultant   ✓  IT software/hardware training services 
✓  Computer programming services   ✓  Internet hosting services
✓  Computer system/network developer   ✓  Software development
✓  Custom software programmer/developer ✓  Technology services 
✓  Data processing   ✓  Value added reseller of computer hardware  
✓  Database designer     ✓  Website design    
✓  Game developer ✓  Other technology services
 

Product Overviewtop

Hiscox specializes in offering tailored admitted coverage for small businesses. Get instant coverage online or by phone.

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Professional Liability

General Liability

Business Owners Policy

What are the revenue limits?

Up to $5 million

Up to $5 million

Up to $3 million

What are the coverage limits?

  • $2 million aggregate available online
  • Up to $5 million aggregate upon submission to Hiscox
  • $2 million aggregate available online
  • Up to $5 million aggregate limit upon submission to Hiscox
  • $2 million aggregate available online
  • Up to $4 million aggregate upon submission to Hiscox

Admitted product?

Yes

Yes

Yes

ISO based form?

No

Yes

Yes

Are defense costs included within limit?

Yes

No

No

Deductible

Various options ranging from $0-$10,000

No deductible

Various options ranging from $500-$10,000

What is covered?

Work completed by employees

Includes actions of employees and temporary staff

Combines general liability coverage with coverage for business assets

Minimum premium

$270

$350

$500

Monthly cost?

Starts from $22.50/mo.

Starts from $29.17/mo.

Starts from $41.67/mo.

Auto pay by credit card monthly?

Yes

Yes

Yes

What discounts are available (subject to minimum premium rules)?

  • 5% multi-policy discount
  • 5% multi-policy discount
  • Up to 5% discount for work-from-home businesses
  • 5% multi-policy discount
  • Up to 5% discount for work-from-home businesses

Additional features

  • $200,000 software copyright infringement coverage added for most software businesses
  • Full retro-coverage for unknown claims from previous work for most classes of business
  • Available as a stand-alone
  • Damage to premises rented ($100,000)
  • Personal injury included for all classes of business (COBs) except direct marketing, public relations, graphic designers, real estate agents, legal services, recruiting, marketing and research consulting
  • Optional business equipment coverage up to $25,000 for most COBs
  • Up to $100,000 in coverage for business contents, up to $500,000 in coverage for buildings
  • Interruption of computer operations and loss of electronic data both covered up to $10,000
  • Crime, data liability, and HNOA upgrades available
  • Damage to premises rented ($50,000)

Availability

All states except:
AK

All states except:
AK

All states except:
AK, AL, AR, DE, FL, HI, ID, IA, KS, KY, LA, ME, MS, MT, NE, ND, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WA, WV, WY

* PL & GL: Available in all states except AK

* BOP: Not available in AK, AL, AR, DE, FL, HI, ID, IA, KS, KY, LA, ME, MS, MT, NE, ND, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WA, WV, WY

Underwritten by Hiscox Insurance Company Inc., a Chicago-based insurance company.

Coverage terms and limits may vary by class of business and may not be available in all states. Underwritten by Hiscox Insurance Company Inc., a Chicago-based insurance company rated ‘A’ (Excellent) by AM Best. Copyright © 2017 Hiscox Inc. All rights reserved.