Not sure what Insurance product is right for you?

Hiscox offers General Liability, Professional Liability, and Business Owners Policies online. For Cyber Security go here or see other types of business insurance.

Does your business do any of the following?

Select all that apply to see Hiscox products for coverage you probably need.

My business...

Based on your answers, we recommend the following:

General Liability

The basic protection for claims against your business.

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What is General Liability Insurance?

General Liability (GL) insurance, sometimes called small business insurance or commercial liability insurance, provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury.

Recommended if you or your employees:

  • interact with clients face to face 
  • have access to customer's property 
  • use advertising to market your company
  • use third-party locations for any business-related activities
  • enter into contracts that require general liability insurance.

What's covered:

  • bodily injury
  • damage to third-party property
  • personal injury
  • advertising injury
  • electronic data liability
  • medical expenses
  • defense costs
  • actions of your full-time employees and temporary staff
  • supplemental payments
  • worldwide insurance coverage.

Learn more about General Liability Insurance

What's not covered:

  • personally identifiable information
  • use of vehicles and boats
  • your property
  • professional services
  • employee injury.

Professional Liability (E&O)

Protection for specific risks in your field.

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What is Professional Liability Insurance?

Professional liability insurance, also called errors and omissions (E&O) or indemnity insurance, protects your business if you are sued for negligently performing your services, even if you haven’t made a mistake.

Recommended if your business:

  • provides a professional service
  • regularly gives advice to clients 
  • is requested by a client to have professional liability insurance to complete a contract.

What's covered:

  • alleged or actual negligence
  • defense costs
  • personal injury (e.g., libel or slander)
  • temporary staff and independent contractors
  • claims arising from services provided in the past
  • worldwide coverage
  • claims and damages

Learn more about Professional Liability Insurance

What's not covered:

  • bodily injury or property damage
  • fraudulent acts
  • employment matters
  • false advertising
  • personally identifiable information
  • other services

Cyber Security

Protection from cyber-related security risks.

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What is Cyber Security Insurance?

Cyber security insurance protects businesses against computer-related crimes and losses. This can include targeted attacks, such as malware and phishing, as well as the occasional misplaced laptop containing confidential material.

Recommended if your business:

  • accepts credit cards or other digital payment types
  • uses computers and mobile devices
  • stores confidential customer information
  • keeps medical or financial data.

Cyber Security Insurance Covers:

  • lost business revenue and data recovery costs due to a breach or extortion threat
  • money lost due to a fraudulent instruction by a third party (known as phishing)
  • defense against privacy lawsuits and regulatory fines
  • and more...

Learn more about Cyber Security Insurance

Sample claims scenarios:

  • phishing email leads to ransomware
  • media firm experiences a breach of client information

Business Owners Policy

General Liability plus coverage for property.

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What is a Business Owners Policy?

A Business Owners Policy (BOP) is an enhanced insurance policy that combines general liability insurance and property insurance.

Recommended if your business:

  • needs general liability insurance coverage
  • has business equipment such as computers, printers and furniture
  • owns the building at which your work and need to insure the property
  • owns and works with large amounts of data on a regular basis
  • has employees who could act dishonestly or steal clients' property.

What's covered:

  • general liability 
  • property liability

 

Learn more about Business Owners Policy

What's not covered:

  • certain claims, including those arising from professional services you perform
  • client damages if you provide inaccurate or incomplete advice to a client.

Need more help?

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

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.