BOP Insurance & General Liability Insurance

Having BOP insurance that includes general liability insurance provides your business with third party protection against bodily injury, property damage, personal injury and more. 

What is covered?		What is not covered?
Bodily injury		Personally Identifiable Information
Property damage		Use of vehicles and boats
Personal injury		Your property
Advertising injury		Professional services
Electronic data liability
Medical expenses
Damages to premises rented by you
Worldwide insurance coverage
Defense costs
Actions of your full time and temporary staff
Supplemental payments

Business owners policy with general liability insurance does cover:

Bodily injury

You’re covered if someone other than yourself, or an employee is injured at your workplace, and if you’re held legally liable. We also cover legal costs if you’re sued without reducing your limits of liability.

Property damage

You need not worry if you accidentally damage someone else’s property because we’ll cover claims of damage if you’re held legally liable. We also cover legal costs if you’re sued, without reducing your limits of liability.

Personal injury

Hiscox protects you against claims of libel or slander incurred through the delivery of your professional services.

Advertising injury

We protect you against the unintentional use of a third party’s advertising idea, copyright or trade slogan if it’s used as part of your advertising (press advertisement or email).

Electronic data liability

Added for consultants and technology service providers, we cover your liability for loss of someone’s electronic data resulting from the physical damage of property (e.g., an employee accidentally damages a client’s server resulting in the loss of the client's data).

Medical expenses

If an accident occurs and a third party is injured, your Hiscox general liability insurance policy will also cover any associated medical expenses up to $5,000 for each injured person.

Damages to premises rented to you

If you rent or use a property with permission of the owner (e.g., office space or a conference facility) and cause a fire, our policy provides protection from such a liability claim.

Worldwide insurance coverage

We cover damages occurring in the United States, its territories and Canada. We also offer some coverage for short periods of travel outside these areas.

Defense costs

If you’re sued, we'll appoint an attorney to defend you, if necessary. We’ll defend a lawsuit even if the claims are groundless, and we’ll pay the defense costs on your behalf without reducing your limits of liability.

Actions of your full-time employees and temporary staff

We provide coverage for the actions of your full-time employees and temporary staff that are performed on behalf of your business.

Supplemental payments

We cover the following without reducing your limit of liability:

• All expenses we incur, including the defense of lawsuits
• Up to $250 a day for loss of earnings and reasonable expenses incurred while assisting us in the investigation of the claim against you.

Your Hiscox business owners policy  including general liability insurance does not cover:

Personally identifiable information

We won’t cover your failure to protect any personally identifiable information that is in your care, custody or control.

Use of vehicles and boats

We won't cover any claims arising out of the ownership or use of an automobile or a watercraft.

Your property

We won’t cover claims for damage to property you own or the property of others you may have in your care, custody or control.

Professional services

Your Hiscox general liability policy will not cover any professional services performed by you. To obtain coverage for your services, please see our coverage page for professional liability insurance.