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Small business insurance tailored for your needs

Starting and running a business takes courage. At Hiscox, we encourage courage with insurance for small business that’s tailored to the specific risks you face. You get everything you need and nothing you don’t. 

Looking for another type of business insurance policy? See other types of available insurance.

We encourage courage

Small business insurance coverage can keep you in business by covering the costs of a lawsuit, including defense and business interruption costs, as well as any settlement or judgment. The right policy can protect your small business from the costs you could incur if a customer slips and falls on your premises, if a client isn’t happy with your work, if your equipment is damaged or stolen, or even from the costs associated with a data breach, terror attack, or employee theft. By taking the important step of protecting your company with insurance coverage for small business, you will have the courage to take the right risks to help your business grow. 

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    Get a small business insurance quote in minutes. Your business could be covered today!


    Hiscox Customer Reviews

    Hiscox rated 4.8/5
    Rated 4.8/5
    satisfied Hiscox customer

    "You made the process quick and easy, and your rates are extremely competitive. I had a policy put in place on the same day! Extremely satisfied! Highly recommend!"

    Christian — September 2017


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    Get a small business insurance quote online or call a licensed insurance agent

    Insurance coverage for small business does not have to be complicated. You can get business insurance online quotes in minutes, and your business could be covered today. If you have questions about insurance for small businesses, our licensed insurance advisors can help. 

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    Small Business Insurance FAQs

    Why do I need business insurance?

    Small business owners have a lot going on, and it’s easy to let something like business insurance drop to the bottom of the list. But it’s important to protect your business from claims and lawsuits that you can’t see coming.

    You could be sued for just about anything, even if you haven’t made a mistake. If someone slips and falls in your shop, or if a client thinks you didn’t do the job the way you said you would, you could find yourself facing a lawsuit. Business insurance can cover the cost, including the cost to defend yourself.

    Some professions require that you have business insurance. Many healthcare-related professions require professional liability insurance, which is sometimes referred to as malpractice insurance. Sometimes, a contract will require that your business be insured. 

    Do I need business insurance if I’m an LLC?

    Yes. An LLC protects your personal assets in the event of a suit or claim, but the assets of the business are still at risk. Business liability insurance will protect your business’s assets. 

    How much does business insurance cost?

    The cost of small business insurance depends on the industry you’re in, the size of your business, the type of insurance, and other factors. Most small businesses spend $30 a month or less for a general liability policy, but your costs could vary. You can get a quote in the box above to find out how much your coverage may cost.

    What is the difference between general liability and professional liability insurance?

    General liability insurance covers someone else’s claim of bodily injury, property damage or personal injury. This means if someone gets hurt at your place of business, or their property is damaged, you’re covered. You’re also covered for claims that you damaged someone’s reputation by slander or libel. 

    Professional liability insurance covers your professional services or advice. This is sometimes called errors and omissions insurance because it covers something you did that you shouldn’t have (an error) and something you should have done that you didn’t (an omission). Professional liability insurance protects for defense costs you even if the claim against you is found to be without merit. 

    What kind of business insurance do I need?

    This depends on the type of business you have. Most businesses will need general liability insurance, especially if  you meet with clients face to face. If you offer professional advice, you should also have professional liability insurance. If you have business equipment, like computers or tools, you may consider a business owners’ policy (BOP) which combines general liability with coverage for your business property. 

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