General Liability Insurance

What is general liability insurance?

Hiscox offers general liability insurance, also called commercial general liability insurance, which protects your business from third party claims for bodily injury, associated medical costs and damage to someone else’s property.

You should consider general liability insurance if you or your employees:

• visit a client’s place of work, or clients visit yours.
• have access to a client’s equipment. (i.e., a client’s server).
• write or speak about a client’s business.
• use third-party locations for any business related activities.
• are required to have general liability insurance before entering into a contract.
  
  

For example, while visiting a client’s premises, the client trips over your briefcase and gets injured – your business may be liable. Your fault or not, our general liability insurance coverage will protect your business against covered claims by paying defense costs and any damages up to your policy limit.

Why choose Hiscox?

Hiscox specializes in insuring professional services businesses with 10 employees or less. Our general liability insurance coverage gives you the protection that you need at a great value.

• Buy direct: Hiscox offers general liability insurance that you can buy direct, either online in real-time or over the phone from one of our licensed advisor.
• Comprehensive coverage: Unlike some of our competitors’ policies, we cover claims arising from the actions not only of your employees, but also temporary staff.
• Competitive rates: Our general liability insurance rates can start from $29.00 per month in most states.
• Monthly payment options: Hiscox offers the option of making monthly payments (with no additional fees) to help manage your cash flow.
• Money back guarantee: You have 14 days to review your policy, and if you have not had a claim or loss, you may request a full refund if you are not satisfied with your purchase.
  
  

Hiscox general liability insurance coverage benefits:

• Special rate reductions: Hiscox is always looking for ways to lower your general liability insurance costs. For example, if your business is home based, we offer a rate reduction of up to 10%.
• Claims responsiveness: If a covered claim is reported to us, Hiscox will immediately handle the claim even if the claim has no basis and, if necessary, appoint an attorney to defend you.