Small business insurance from Hiscox

Founded in 1901, Hiscox Insurance has been insuring United States small businesses more several decades. Hiscox is licensed to provide insurance in all 50 states and holds a financial stability rating of A (Excellent) from A.M. Best Company. If you are looking for liability insurance for your startup or are ready to make a change to your insurance, Hiscox offers a variety of options for business owners.

I want a Business Owners Policy from Hiscox that starts today.

Find the right coverage for your business. It’s that simple.

What if I need property and general liability coverage?

That's a Business Owner's Policy

  • What does it cover? A Business Owner’s Policy (also known as a BOP) includes general liability and property insurance in one policy. The general liability portion protects your small business from injury or damage to another party or entity. It pays the costs associated with these including medical expenses, property replacement, settlement, and defense in a lawsuit. The property insurance portion provides coverage for the property owned by your business that is damaged or destroyed by a covered event.

  • When do you have to have it? It’s recommended that businesses buy insurance when they initially launch. A BOP is a valuable option for small businesses that offer professional services from their home or rented office space.

  • Approximate Cost Costs vary depending on the insurance company you choose and your services. BOP policy premiums often range from $400- $3,000.

Is Hiscox right for my business?


Technology, therapy, beauty, fitness, marketing, health, contractors, and many more professional services providers use Hiscox Insurance. Hiscox offers many solutions for small businesses across the United States, across nearly every industry. Many small businesses with a location look to Hiscox’s Business Owners Policy to protect them from injuries to third parties and damage to business property. Alternatively, home-based businesses may need the professional liability or electronic data loss insurance provided by Hiscox.

How does Hiscox compare?




Financial Strength

Headquartered in Hamilton (Bermuda), Hiscox Insurance dates back to 1901. Hiscox holds a strong A.M. Best financial stability rating of A, along with its Lloyd’s of London syndicates. Why is that important? A financial stability rating is a measure of how secure the company is in being able to protect your business when it matters.

Check out other carriers

Depending on your industry and size of business, you’ll need different insurance coverages and will be evaluated differently by carriers. Check out the insurers below to learn about their offerings and how they may be applicable to your business:

With Coverwallet it's easy to find the right insurance for your business

  • Insurance experts are available 24/7 by phone, chat, and email. Our team will help you choose the right policy for your business and answer all your questions.

  • Request certificates of insurance and track them easily, whether they're for tenants, suppliers, or your own business.

  • Get a quote in minutes online. It couldn’t be easier, or faster. We’re with you every step of the way.

  • Compare your coverage against others in your industry to make sure you’re fully protected, particularly as your business grows.