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Small Business Insurance Tailored for Your Needs
Starting and running a business takes courage. At Hiscox, we encourage courage by providing business insurance to small businesses that is tailored to each company's industry. You get everything you need and nothing you do not need.
Looking for another type of business insurance policy? See other types of available insurance.
We encourage courage
Small business insurance coverage protects your business from claims and lawsuits and helps you to plan for the unexpected. Our policies can keep you in business by covering the costs of a suit, including defense and business interruption costs, as well as any settlement or judgment. The right policy can even protect your small business from the costs associated with a data breach, terror attack or employee theft. By taking the important step to protect your business, you will have the courage to take the right risks to help your business grow.
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Hiscox Customer Reviews

"You made the process quick and easy, and your rates are extremely competitive. I had a policy put in place on the same day! Extremely satisfied! Highly recommend!"
Christian — September 2017
Get a business insurance quote online or call a licensed insurance agent
Insurance for businesses does not have to be complicated. You can get a small business insurance quote and purchase online in minutes, and your business could be covered today. If you have questions about insurances for small businesses, our licensed insurance advisors can help at 1-866-283-7545
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Small Business Insurance FAQs
Why do I need business insurance?
Small business owners have a lot going on, and it’s easy to let something like business insurance drop to the bottom of the list. But it’s important to protect your business from claims and lawsuits that you can’t see coming.
You could be sued for just about anything, even if you haven’t made a mistake. If someone slips and falls in your shop, or if a client thinks you didn’t do the job the way you said you would, you could find yourself facing a lawsuit. Business insurance can cover the cost, including the cost to defend yourself.
Some professions require that you have business insurance. Many healthcare-related professions require professional liability insurance, which is sometimes referred to as malpractice insurance. Sometimes, a contract will require that your business be insured.
Do I need business insurance if I’m an LLC?
Yes. An LLC protects your personal assets in the event of a suit or claim, but the assets of the business are still at risk. Business liability insurance will protect your business’s assets.
How much does business insurance cost?
The cost of small business insurance depends on the industry you’re in, the size of your business, the type of insurance, and other factors. Most small businesses spend $30 a month or less for a general liability policy, but your costs could vary. You can get a quote in the box above to find out how much your coverage may cost.
What is the difference between general liability and professional liability insurance?
General liability insurance covers someone else’s claim of bodily injury, property damage or personal injury. This means if someone gets hurt at your place of business, or their property is damaged, you’re covered. You’re also covered for claims that you damaged someone’s reputation by slander or libel.
Professional liability insurance covers your professional services or advice. This is sometimes called errors and omissions insurance because it covers something you did that you shouldn’t have (an error) and something you should have done that you didn’t (an omission). Professional liability insurance protects for defense costs you even if the claim against you is found to be without merit.
What kind of business insurance do I need?
This depends on the type of business you have. Most businesses will need general liability insurance, especially if you meet with clients face to face. If you offer professional advice, you should also have professional liability insurance. If you have business equipment, like computers or tools, you may consider a business owners’ policy (BOP) which combines general liability with coverage for your business property.
Small Business Resource Center
Hiscox provides tips and tools to help your small business succeed.