Appreciation for our claims process
Simple and smooth
The claim process was simple and smooth. Your staff was very helpful!!
Secure Cloud Systems
Colorado Springs, CO
Quick and supportive
Claim was easy to resolve. Communication quick and supportive.
Daria Kielek Photography
Dumont, NJ
Great communication
My claim was handled quickly and with great communication.
Jennifer Lloyd
Trumansburg, NY
What is Small Business Insurance?
Small business insurance – also known as commercial insurance – protects your company from unexpected risks, claims, and lawsuits that could impact your bottom line. Whether you're just starting out or growing your business, finding the right coverage is essential. Not every business needs every type of coverage, so you can choose the policy or policies that will best protect your company.
Our small business insurance options are designed to help you stay focused on running your business, knowing you're covered if the unexpected happens.
What does Small Business Insurance cover?
It all depends on the type of coverage you choose, but generally, a small business insurance policy can protect your business from property damage, financial losses, workplace injuries, and more. Common coverages include protection against theft, fire, wind damage, and liability claims if someone is injured at your business.
You should consider small business insurance coverage if you or your employees:
Propose or bid on certain contracts
If you propose or bid on certain contracts, liability insurance could be a condition of the contract award. Hiscox will provide you with a certificate of insurance (COI) to show that you meet the requirements.
Interact with clients face to face
If you visit a client’s place of work, or clients visit yours, there is always the possibility someone could get hurt and require medical treatment. General liability insurance could cover their medical costs.
Regularly gives expert advice or recommendations
Professional liability insurance helps protect your business if a client claims you made a mistake, gave bad advice, or didn’t deliver services as promised. If your work involves expertise, judgment, or guidance, one small misstep could lead to costly legal action—even if you’ve done nothing wrong.
Accepts credit cards, or other digital payment types
If your business maintains a website, accepts credit card payments, or collects and stores customer data – like names, addresses, email addresses, phone numbers, or Social Security numbers, you may be at risk for a security breach or cyber attack.
Insurance products
we may recommend for you.
General liability insurance protects your business against claims made by others including bodily injury, damage to property, or personal injury.
General liability insurance protects your business against claims made by others including bodily injury, damage to property, or personal injury.
Professional liability (or E&O) insurance protects your business against claims of negligence, even if you haven't made a mistake.
A business owner's policy (BOP) includes general liability insurance plus coverage for your business property.
Cyber security insurance protects businesses against computer or technology related losses, such as a data breach, a phishing or ransomware cyber attack.
Over 600,000
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