South Dakota Business Insurance

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Call 1-866-283-7545
Speak with a licensed insurance agent
1-866-283-7545
Monday – Friday, 8am – 10pm ET
96%
4.8
/
5
for customer satisfaction (
9,480
reviews between 10-25-11 and 10-18-17)
96%
Hiscox rated
4.8
out of
5
with
9,480
reviews between 10-25-11 and 10-18-17.

South Dakota Small Business Insurance

As small business insurance specialists we know that every business operates differently, which is why we don't offer generic policies that may not be appropriate for your needs. Our South Dakota business insurance services are designed with your company in mind, giving you the right coverage at the right price.

General Liability Insurance for South Dakota

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Bodily injury: A bookkeeper rented office space on the second floor of an antique house that had been renovated as office space. A client who was leaving the bookkeeper’s office fell down the stairs when a handrail gave way, suffering injuries that required treatment at the emergency room. The client sued for his injuries. General liability insurance could protect bookkeepers against third-party claims of bodily injury, associated medical costs and property damage.
  • Slander: A recruiter made disparaging and untrue remarks about a candidate to the marketing director of a client company. The candidate turned out to be related to an executive at the client company, and the conversation got back to the candidate, who sued the recruiter for slander. General liability insurance could protect recruiters against third-party claims of slander, property damage, bodily injury and associated medical costs.
  • Make-up spill: A make-up artist went to a bride’s family home to do the bridal party’s make-up before the wedding. She spilled makeup remover on an expensive carpet, staining it. The bride’s parents sued for the cost to clean the carpet. General liability insurance could protect beauticians and cosmetologists against third party claims of property damage, bodily injury and related medical costs.

Learn more about general liability insurance.

Professional Liability Insurance for South Dakota

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • Negligence: A massage therapist performs a deep tissue massage on a client who had noted shoulder pain prior to the treatment. While performing a shoulder stretch on the massage chair, the patient winces and asks the therapist to stop. A day later the client accuses the therapist of causing a torn ligament in his shoulder, requiring surgery. Professional liability insurance could protect massage therapists against claims of negligence and will appoint an attorney to defend them, if needed, even if they haven’t made a mistake.
  • Loss of personal information: A beautician accidentally misplaced a file with sensitive client information. Although it was an accident, the information was compromised and the client sued the cosmetologist. Professional liability insurance could protect beauticians and cosmetologists against claims of negligence and loss of personally identifiable information.

Learn more about professional liability insurance.

Example professions we insure in South Dakota:

    How Hiscox can help your business in SD:

    • Coverage for contracts: Our professional liability coverage satisfies most standard contract insurance requirements.
    • Confidence: Hiscox Insurance Company Inc. is ‘A’ rated (Excellent) by A.M. Best.
    • Tailored coverage: We specialize in businesses like yours and tailor coverage to the risks in your field.
    • Passion for service: Knowledgeable agents provide exceptional service – 4.8/5 of people surveyed.
    • Fast and simple: Online quotes or speak to a licensed agent – immediate coverage.

     

    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.


    Quote online or call a licensed insurance agent


    Hiscox Customer Reviews

    96%
    4.8
    /
    5
    for customer satisfaction (
    9,480
    reviews between 10-25-11 and 10-18-17)
    96%
    Hiscox rated
    4.8
    out of
    5
    with
    9,480
    reviews between 10-25-11 and 10-18-17.

    5 Stars

    Abdelkader, Roswell, Georgia

    It was good

     

    5 Stars

    Anna, Tennessee

    "So far I am extremely happy! I thought it went awesome! They had a great price!"

     

    5 Stars

    Mark, Edgewater, FL

    "After dealing with numerous insurance brokers and calling many insurance companies. Hiscox defijnitely stood out the most. Excellent, proficient and easy to deal with. Liked the online pricing.  The representative was very helpful and professional when I called and this helped me make my decision to purchase."

     

    4 Stars

    Juan, Miami, Florida

    "Very easy."

    This was the easiest policy I've ever purchased. No brainer, straight forward questions.

     

    5 Stars

    Latoya, Maryland

    "The process was very simple and the employee was very helpful and polite."

    See More Reviews


    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. Coverage is subject to underwriting and may not be available in all states.

    Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 520 Madison Avenue, 32nd Floor, New York, NY 10022.