Small business insurance,
fast and affordable

Get insurance coverage today from America’s leading small business insurer.

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Speak with a licensed insurance agent: 1-866-283-7545

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Monday – Friday, 7am – 10pm ET M–F, 7am –10pm ET

Find the right insurance for your business

Hiscox provides protection for 180+ professions.

  • General
    Liability

    The basic protection for claims against your business.

  • Professional
    Liability (E&O)

    Protection for specific risks in your field.

  • Business
    Owners Policy

    General Liability plus coverage for property.

  • Cyber
    Security

    Protection from cyber-related security risks.

  • Short-Term
    Liability

    Purchase coverage for a specific period of time.

  • Medical
    Malpractice (E&O)

    Protection for claims against your medical practice.

  • Workers
    Comp

    Protection for employees who are injured or become ill on the job.

  • More
    Coverages

    Umbrella, Auto, Directors and Officers, and more.

Not sure what you need?

Just answer a few questions.

Small Business Insurance 101

Why do I need small 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 claim or 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. 

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 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. 

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. 

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. 

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

  • 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…

  • Shaundra

    Ease of acquiring the insurance (protection) I needed to fit my business and my budget.

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