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Hiscox Review editorial staff, writer
| Updated
Feb 09, 2019
> Business Basics

Businesses need general liability business insurance to protect them from potential injuries or damages that occur during operation. Hiscox Insurance specializes in professional services insurance for small businesses. The company provides tailored insurance coverage to businesses in 39 states and the District of Columbia. Hiscox can get you an online quote and start your coverage on the same day. The company is financially solid and has been in business for over 100 years.



The Best Business Liability Insurance Providers of 2019

The Verdict

Its coverage is tailored to various types of professional service businesses such as IT, graphic designers, interior designers, marketing and business consultants, and many more. The company's advisors deal exclusively with professional service businesses with 10 employees or fewer. You can call or go online for real-time quoting and buying. Your policy documents are automatically emailed to you on purchase, and Hiscox has a 14-day, full money-back guarantee. If you need to make a claim, you can call the company 24/7 and it will defend your business immediately.

Hiscox business liability insurance covers your business from third-party claims for bodily injury, associated medical costs, advertising injury, electronic data liability, medical expenses and damage to someone else’s property. The company offers a wide range of limit and deductible options so you can choose the level of coverage that fits your business. You can also change the level of protection to suit. If you have a client that requires liability coverage for a contract, Hiscox can sign you up and provide proof that you have $1 million of general liability coverage in place that same day.

Hiscox offers discounts on its insurance. This is a direct insurance model so there is no middleman, and the company can pass the savings onto you. During the quote and buy process, Hiscox will determine if your business actively manages its risks and will offer rate reductions accordingly. The company offers a five percent reduction if you buy two or more insurance products from them and a 10 percent reduction if you operate a home-based business.

Hiscox has a long history in the industry and excellent financial standing. The company also makes the buying process efficient and painless. The company makes its responsive claims process a high priority. If you want general liability insurance for your small business, it is worth looking at an insurer that specializes in this type of coverage.

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