What is Liability Insurance?

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Speak with a licensed Hiscox insurance agent
Monday – Friday, 7am – 10pm ET
Speak with a licensed Hiscox insurance agent
Monday – Friday, 7am – 10pm ET
Hiscox rated 4.7/5
Rated 4.7/5

Liability insurance can be difficult to understand, especially for business owners who aren’t sure if they even need the coverage or not. Liability insurance also known as commercial insurance protects small business owners from claims or lawsuits made against your business whether it is your mistake or not. There are three types of liability insurance: general liability insurance, professional liability insurance and business owners policy (general liability and property insurance). Read our answers to frequently asked questions regarding liability insurance policies for small businesses.

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 licensed Hiscox insurance agent, Monday – Friday, 7am – 10pm ET.

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Hiscox Customer Reviews

Hiscox rated 4.7/5
Rated 4.7/5

Ralph, Virginia 
Short phone call, quick action, great service."


Vantage Property Management
"Hiscox provided the quote which best served our business insurance needs. In the course of shopping for a new insurance carrier for Vantage Property Management, we contacted several insurance providers, both through local brokers and online. Hiscox was able to provide us with a quick, concise quote which best served our business insurance needs. In addition to a quick on line response, a real human being was available to provide answers to our specific questions."


Christine, York, PA
"Knowledgeable customer service rep. Customer service rep was very helpful and speed process along.”


James, Parsippany, NJ
"Fast, easy and affordable professional liability insurance. I am a first time purchaser of professional liability insurance and both the e-mail correspondence as well as the personal contact from Hiscox made the entire process very easy. The premium is very competitive and I would recommend Hiscox to anyone, but in particular to independent professionals who need this type of insurance."


Rob, Connecticut
"Very pleased, professional and quick service. very easy to work with and I would recommend Hiscox to colleagues.  I used Hiscox due to the tie up with Amica."


Rosemarie, Massachusetts
"Perfect for a small business. It was quick and easy. "


Adam, Indiana
"Highly Recommend. Easy, affordable, great Service.
Great Experience. Quick, easy process."


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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. Specific coverage terms can vary by class of business.  Coverages are subject to underwriting and may not be available in all states.