Specific Business Insurance Coverages

Protection for specific risks in your field

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Hiscox understands the needs of small businesses, so we’ve partnered with CyberPolicy to provide you the best options for additional insurance coverage. Together, we’re here to help you with:

Commercial Auto Insurance

Commercial Auto Insurance includes coverage for physical damage to owned, rented, hired or employee vehicles and medical costs for you, your employees and any other passengers.

Directors & Officers Insurance

Directors and Officers Insurance provides personal financial protection for your company's directors and officers from actual or alleged covered acts of wrongdoing while serving on the board and/or as an officer. It covers claims resulting from managerial decisions that adversely impact your company.

Umbrella Insurance


Umbrella Insurance provides increased policy limits, above the primary liability limits in the case of large claims. Upgrade your coverage to this premium policy to protect against excessive liability.

Employment Practices Liability Insurance

Employment Practices Liability Insurance protects your company from claims by employees alleging inappropriate workplace conduct including discrimination, harassment, and wrongful termination.

Workers Compen- sation


A type of business insurance that protects you from the costs associated with an employee’s work-related illness or injury. Without workers compensation, employers could incur penalties and fines.

Move forward with confidence.

You’ve worked hard to build your business. Fully protect your business’s future with Hiscox commercial insurance.

General Liability Insurance

General liability insurance, also known as commercial general liability insurance (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs and damage to property.


Professional Liability Insurance

Professional liability insurance, also called errors and omissions or E&O coverage, protects your business if you are sued for negligence, even if you haven't made a mistake.


Business Owners Policy

Business owners policy (BOP) is enhanced insurance that combines general liability insurance and property insurance, adding protection for the equipment you use in your business.


Get Liability Insurance that best meets your needs

General liability insurance will not protect you from everything. For example, general liability insurance will not cover you against claims of negligence, even if it isn’t you or your business’ fault. Some people buy other businesses liability insurance along with general liability.

  • General

    The basic protection for claims against your business.

  • Professional
    Liability (E&O)

    Protection for specific risks in your field.

  • Business
    Owners Policy

    General Liability plus coverage for property.

  • Cyber

    Protection from cyber-related security risks.

  • Short-Term

    Purchase coverage for a specific period of time.

  • Medical
    Malpractice (E&O)

    Protection for claims against your medical practice.

  • Workers

    Protection for employees who are injured or become ill on the job.

  • More

    Umbrella, Auto, Directors and Officers, and more.

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Why over 400,000 small businesses choose Hiscox

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    Policies customized just for you.

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    Fast quotes, instant coverage, quick claims.

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    Supporting the courageous since 1901.

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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.