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Why do I need general liability insurance?
Hiscox understands the risks your company faces and the importance of knowing your business is properly protected. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else's property. However, it does not protect your own personal property. This section explains what our business general liability insurance offers.
What is 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
What is not covered?
- Your property
- Vehicles and boats
- Personal identifiable information
- Professional services
- Employee injury / workers' compensation
- Intent to injure
- Coverage outside policy period
- Known claims prior to start of policy
Your general liability insurance policy covers claims of:
If you’re legally liable, Hiscox general liability insurance covers claims by third parties for bodily injury. For example, your client slips and falls in your office (or you cause an accident at a client’s premises). If they sustain an injury, and you’re liable, we’ll cover the subsequent bodily injury claim.
Hiscox general liability insurance covers the costs of damage to a third-party’s property caused by you or your employee and for which you are legally liable.
Hiscox general liability insurance coverage protects you against claims of libel or slander for which you are legally liable.
Hiscox protects you against the unintentional use of a third party's advertising idea if it is used as part of your advertising. We’ll also protect you if your advertisement or marketing materials infringe a third party’s copyright or trade slogan.
Added for consultants and technology service providers; if an employee damages a client’s property (e.g., a server) and the client's electronic data is damaged, Hiscox will cover any damages up to your limits of insurance for which you are legally liable.
If an accident occurs and someone other than your employee is injured, your Hiscox business general liability insurance policy also covers any associated medical expenses for each injured person, up to $5,000.
If you are sued, Hiscox will appoint a lawyer, if necessary, even if the lawsuit is groundless. We'll pay these costs on your behalf and they will not reduce your limit of liability.
Hiscox provides general liability insurance coverage for business-related actions of your full-time employees and temporary staff.
Hiscox covers the following expenses if incurred:
- Legal defense costs.
- Up to $250 a day for loss of earnings and reasonable expenses you may incur as a result of assisting us in the investigation of the claim against you.
- Interest on damage awards.
We cover damage that occurs in the United States, its territories, and Canada. We also offer coverage for short periods of travel outside these areas.
What your Hiscox general liability insurance policy doesn't cover:
We want our customers to understand our general liability insurance policy. Below is a summary of some of the key exclusions regarding our general liability insurance coverage. For complete details of all the exclusions, please read the policy wording.
Your general liability insurance policy doesn't cover your failure to protect any personally identifiable information that is in your care, custody or control.
Your policy doesn't cover any claims arising out of the ownership or use of an automobile, aircraft or watercraft.
Your policy does not cover claims for damage to property you own or the property of others in your care, custody or control.
Your Hiscox general liability insurance policy does not cover any professional services performed by you. For example, claims for improper advice are not covered under general liability. To obtain coverage for your services, please see our information about professional liability insurance.
If one of your employees injures themselves on the job this will not be covered under your general liability insurance. To obtain coverage for on-the-job employee injury, please see our information about workers’ compensation insurance.
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Hiscox Customer Reviews
"Good experience. Easy to purchase. All questions were answered."
Jesse, Kansas City, MO
"It was a pleasant transaction as I feel like I gained knowledge through the conversation with the Agent!" The agent was friendly and informative."
Sarah, Chanute, KS
"Hiscox, easy to use and a hopeful safety net, brings peace of mind. The company website was easy to use and easy to understand. How it goes from here on remains to be seen. I am hoping I won't have to use it much, but it is better to be safe than sorry when mistakes are made."
Loretta, Detroit, MI
"Very professional representatives" Good customer service and prompt response to all questions."
Tamera, Minneapolis, MN
"I believe that people always remember how someone or something made them feel and you made me feel important. I was truly impressed with the professionalism, quick responses, and honorable treatment as an up and coming business."
Gregory, Seattle, Washington
"Great Service, Great Products.
One of the most pleasant services that I have received in a long time. It was courteous, professional, and to the point. Created a great impression of Hiscox and supported the experience I had with the products that I selected."
Vicki, Federal Way, WA
"Very Helpful Representative. Very helpful representative explaining professional liability and general liability for my small business."
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.