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Why do I need a business owners policy that includes general liability insurance?
Having BOP insurance that includes general liability insurance provides your business with third-party protection against bodily injury, property damage, personal injury and more.
What is covered?
- Property damage
- Bodily injury
- Personal injury
- Electronic data liability
- Advertising injury
- Damages to premises rented by you
- Medical expenses
- Electronic data
- Supplemental payments
- Defense costs
- Actions of your full time and temporary staff
What is not covered?
- Use of vehicles and boats
- Personally Identifiable Information
- Professional services
- Your property
Business owners policy with general liability insurance does cover:
You need not worry if you accidentally damage someone else’s property because we’ll cover claims of damage if you’re held legally liable. We also cover legal costs if you’re sued, without reducing your limits of liability.
You’re covered if someone other than yourself, or an employee is injured at your workplace, and if you’re held legally liable. We also cover legal costs if you’re sued without reducing your limits of liability.
Hiscox protects you against claims of libel or slander incurred through the delivery of your professional services.
Added for consultants and technology service providers, we cover your liability for loss of someone’s electronic data resulting from the physical damage of property (e.g., an employee accidentally damages a client’s server resulting in the loss of the client's data).
We protect you against the unintentional use of a third party’s advertising idea, copyright or trade slogan if it’s used as part of your advertising (press advertisement or email).
If you rent or use a property with permission of the owner (e.g., office space or a conference facility) and cause a fire, our policy provides protection from such a liability claim.
If an accident occurs and a third party is injured, your Hiscox general liability insurance policy will also cover any associated medical expenses up to $5,000 for each injured person.
We cover the following without reducing your limit of liability:
- All expenses we incur, including the defense of lawsuits.
- Up to $250 a day for loss of earnings and reasonable expenses incurred while assisting us in the investigation of the claim against you.
If you’re sued, we'll appoint an attorney to defend you, if necessary. We’ll defend a lawsuit even if the claims are groundless, and we’ll pay the defense costs on your behalf without reducing your limits of liability.
We provide coverage for the actions of your full-time employees and temporary staff that are performed on behalf of your business.
We cover damages occurring in the United States, its territories and Canada. We also offer some coverage for short periods of travel outside these areas.
Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday through Friday from 8am-10pm EST.
Your Hiscox business owners policy including general liability insurance does not cover:
We want our customers to fully understand what they are buying. Below is a summary of some of the key exclusions of your business owner policy including general liability insurance. For complete details of all the exclusions, please read the policy wording.
We won't cover any claims arising out of the ownership or use of an automobile or a watercraft.
We won’t cover your failure to protect any personally identifiable information that is in your care, custody or control.
Your Hiscox general liability policy will not cover any professional services performed by you. To obtain coverage for your services, please see our coverage page for professional liability insurance.
We won’t cover claims for damage to property you own or the property of others you may have in your care, custody or control.
Quote online or call a licensed insurance agent
Hiscox Customer Reviews
"Good service over the phone"
agent was polite and helpful, also pleasant
Jay, Dallas, Texas
"People and process were very impressive, as were prices, highly recommend."
I was very impressed. Helpful, honest and made it easy. I didn't feel at all like I was being hard sold, and their hand-offs were pretty good - good IT system and people training. One thing I think they should do is let people ... know 'who' Hiscox is - didn't realize it was a big company and had been around for a while. When buying off the internet, that would calm fears.
Judy, Flagstaff, AZ
"Highly recommend, easy to recalculate premium by changing coverage amounts and types."
Very easy. Chat feature answered my questions.
"You need to purchase your small business insurance here"
The online application process was very easy to use. It was fast at calculating the cost of the policy and gave very good links to the forms needed and requested by clients.
Ammie, Victorville, CA
"Met all my needs"
I would recommend this company. Great customer service, great prices, and great coverage.
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.