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SMALL BUSINESS INSURANCE, 
FAST AND AFFORDABLE


GET INSURANCE COVERAGE TODAY FROM AMERICA’S LEADING SMALL BUSINESS INSURER.


Please enter a valid zip code.
Get a Quote
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Retrieve a quote

Speak with a licensed insurance agent: 1-866-283-7545

Call a licensed agent

Monday – Friday, 7am – 10pm ET M–F, 7am –10pm ET

94%

944 reviews


WHAT IS SMALL BUSINESS INSURANCE?

Small business insurance protects your company against the financial impact of
claims and lawsuits, and other risks that you can’t see coming. It is also known
as commercial insurance. There are several different kinds of small business
insurance that each protect against different things. Not every business needs
every type of insurance, so you can choose the policy or policies that will best
protect your business. Get a quote and start protecting your business today.





FIND THE RIGHT TYPE OF INSURANCE FOR YOUR SMALL BUSINESS

Hiscox provides protection for hundreds of professions.


 * GENERAL
   LIABILITY
   
   The foundational protection for claims against your business.


 * PROFESSIONAL
   LIABILITY (E&O)
   
   Protection for specific risks in your field.


 * BUSINESS
   OWNERS POLICY
   
   General Liability plus coverage for property.

   --------------------------------------------------------------------------------


 * CYBER
   SECURITY
   
   Protection from computer-related security risks.


 * WORKERS
   COMPENSATION
   
   Protection for employees who are injured or become ill on the job.


 * SHORT-TERM
   LIABILITY
   
   Purchase coverage for a specific period of time.

   --------------------------------------------------------------------------------


 * MEDICAL
   MALPRACTICE (E&O)
   
   Protection for claims against your medical practice.


 * MORE
   COVERAGES
   
   Umbrella, Auto, Directors and Officers, and more.


 * GENERAL
   LIABILITY
   
   The foundational protection for claims against your business.


 * PROFESSIONAL
   LIABILITY (E&O)
   
   Protection for specific risks in your field.


 * BUSINESS
   OWNERS POLICY
   
   General Liability plus coverage for property.


 * CYBER
   SECURITY
   
   Protection from computer-related security risks.


 * WORKERS
   COMPENSATION
   
   Protection for employees who are injured or become ill on the job.


 * SHORT-TERM
   LIABILITY
   
   Purchase coverage for a specific period of time.


 * MEDICAL
   MALPRACTICE (E&O)
   
   Protection for claims against your medical practice.


 * MORE
   COVERAGES
   
   Umbrella, Auto, Directors and Officers, and more.




Not sure what you need?

Find out in 20 seconds


Just answer a few quick questions.





HOW MUCH DOES SMALL 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. PRICING STARTS AT
$30 A MONTH FOR A GENERAL LIABILITY POLICY, BUT YOUR COSTS COULD VARY. FOR MORE
INFORMATION ON THE COST OF SMALL BUSINESS INSURANCE, GET A QUOTE TO SEE
CUSTOMIZED PRICING FOR YOUR NEEDS.




Personal Trainer in Texas   ProductGeneral LiabilityProfessional LiabilityCyber
Security InsuranceEach Claim Limit$1,000,000$1,000,000$250,000Aggregate
Limit$2,000,000$1,000,000$250,000Deductible$0$500$1,000Monthly
Cost*$29.16$121.03$32.07Annual Cost*$350$1,453$385


WHO NEEDS SMALL BUSINESS INSURANCE?

Small businesses encounter unique risks depending on the type of work they do.
Hiscox provides small business insurance for hundreds of professions like:

 * Architects & Engineers
 * Beauty Professionals
 * Contractors
 * Consultants / Freelancers
 * Fitness Professionals
 * IT / Technology Professionals
 * Landscapers
 * Marketing Professionals

 * Estheticians
 * Life Coaches
 * Personal Trainers
 * Photographers / Videographers
 * Handymen
 * Home Healthcare Professionals
 * Travel Agents
 * Tutors



Learn more about all the small business professions we insure.


Get a quote for a Small Business Insurance policy now

Are you ready to purchase an insurance policy for your small business? You can
get a fast, customized quote from Hiscox right now. If you’re not sure yet, you
can continue reading to learn how our small business insurance policies can help
protect you.


SMALL BUSINESS INSURANCE FAQS





WHY DO I NEED SMALL BUSINESS INSURANCE?

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 claim or
lawsuit. Small 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. Hiscox provides a Certificate of
Insurance (COI) once you purchase a small business insurance policy so you can
show that you’re insured.


WHAT IS THE PURPOSE OF SMALL BUSINESS INSURANCE?

Small business insurance can pay the costs incurred if a claim or lawsuit is
brought against you for things like property damage, bodily injury or
negligence. It can also pay the cost of things like damage to your own business
property, or a cyber incident. In exchange for a small fixed cost (the premium)
you are protected from covered costs that are unexpected and may be potentially
much larger.


DOES MY BUSINESS NEED SMALL BUSINESS INSURANCE?

Small business insurance is required in some industries, and some clients may
require it before they award a contract. In many cases, small business insurance
is not required, but it is a good idea because it protects you from risks that
you can’t see coming.

Bundle And Save

We offer customers up to a 5% discount if you buy two or more Hiscox products.
Also, by choosing a higher deductible (the initial amount you pay for each
claim), you can lower your premium. It’s only fair, as you’re taking on more of
the risk.


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 use computers, have a website, or accept electronic payments
you should have cyber security 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.


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 covers
defense costs even if the claim against you is found to be without merit.


DO I NEED SMALL 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.

Other business types that need small business insurance:

 * Sole proprietors
 * Entrepreneurs
 * Side Hustles
 * Contractors
 * Home based businesses


HOW IMPORTANT IS SMALL BUSINESS INSURANCE?

If you do not have proper protection, you may have to pay out of pocket for
claims and legal costs. Small business insurance is important to keep your
business afloat and give you peace of mind for the unexpected. Hiscox protects
you by covering the costs to defend your business against covered claims, as
well as paying a covered settlement or judgement.


CAN I CUSTOMIZE MY SMALL BUSINESS POLICY?

Hiscox customizes each policy based on the risks faced by that particular
industry. Whether you are a consultant, contractor, personal trainer, financial
advisor, counselor, or have one of hundreds of other types of businesses, you
need insurance to protect against the cost of unforeseen accidents, mistakes,
and even cyber attacks.

Business insurance can protect you if you own an LLC, have a partnership, are a
sole proprietor, or are a digital nomad.

You’ll benefit from protecting your business with one or more of these policies:

General Liability

Business Owners Policy

Professional Liability (E&O)

Cyber Security Insurance

If you’re not sure what you need, find out in 20 seconds.


WHAT TYPES OF INSURANCE DO I NEED FOR MY SMALL BUSINESS?

Most small businesses will need general liability and professional liability
policies. If you have employees, workers compensation insurance is required by
most states. In addition, if you do work via computer, you should consider a
cyber security policy. View our guide to learn more about what kind of business
insurance may be available.


WHAT DOES SMALL BUSINESS INSURANCE COVER?

In general, small business insurance can cover various risks including property
damage, liability for accidents or injuries, and legal claims that may arise
against your business. In addition, it can also include coverage for employee
injuries or professional negligence. When viewing insurance products, be sure to
view coverage details provided.


WHAT IS NOT COVERED BY SMALL BUSINESS INSURANCE?

Small business insurance typically will not cover intentional acts of
wrongdoing, employee dishonesty, and certain natural disasters. In addition,
damage from wear and tear, and claims arising from illegal activities are
typically excluded from a policy. Always be sure to view policy coverage and
become familiar with its terms for specific terms and exclusions.


IS SMALL BUSINESS INSURANCE REQUIRED BY LAW?

Small business insurance is not always required by law, however, certain
coverage like workers compensation insurance may be mandated depending on your
state and business activities. Even if not legally required, having business
insurance is key in protecting your business from potential risks and
liabilities. Get more information.




Why over 500,000 small businesses choose Hiscox

 * Customized
   Policies customized for the specific risks you face.

 * Simple
   Fast quotes, instant coverage, quick claims.

 * Established
   Supporting the courageous since 1901.


GET A SMALL BUSINESS INSURANCE QUOTE TODAY

HISCOX PROVIDES FAST, CUSTOMIZED SMALL BUSINESS INSURANCE COVERAGE JUST FOR YOU.

GET A QUOTE NOW





CUSTOMER REVIEWS

Teresa

Great customer service.
Customer service was very friendly and knowledgeable. I needed to make a few
changes to my policy and they made it very easy to do…

5 star review

Matthew

A stress-free, easy option for business liability insurance, and more! Hiscox
has provided a stress-free, easy option to purchasing quality business liability
insurance (and more), and stayed focused on providing valuable resources for me
and my business…

5 star review

Shaundra

Ease of acquiring the insurance (protection) I needed to fit my business and my
budget.

4 star review

Emanual

Easy Self Maintenance Policy
Up & running in less than 10 minutes. Never had a claim so all is great so far.

5 star review

Aaron

Get’s no better
Quick and easy approval process, Very affordable with quality business, HIGHLY
RECOMMEND.

5 star review

Jan

I will use Hiscox again and again! :)
Quick and easy online service.

5 star review

Teresa

Great customer service.
Customer service was very friendly and knowledgeable. I needed to make a few
changes to my policy and they made it very easy to do…

5 star review

Matthew

A stress-free, easy option for business liability insurance, and more! Hiscox
has provided a stress-free, easy option to purchasing quality business liability
insurance (and more), and stayed focused on providing valuable resources for me
and my business…

5 star review

Shaundra

Ease of acquiring the insurance (protection) I needed to fit my business and my
budget.

4 star review

Emanual

Easy Self Maintenance Policy
Up & running in less than 10 minutes. Never had a claim so all is great so far.

5 star review

Aaron

Get’s no better
Quick and easy approval process, Very affordable with quality business, HIGHLY
RECOMMEND.

5 star review

Jan

I will use Hiscox again and again! :)
Quick and easy online service.

5 star review


See all reviews (944)

4.7/5 FEEFO RATING




--------------------------------------------------------------------------------

SEE OPTIONS AND PRICING IN MINUTES.

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1-866-283-7545

For speech or hearing impaired customers, please dial 7-1-1.






FOOTER MENU 1

 * What We Cover
   * Business Insurance
   * General Liability Insurance
   * Professional Liability Insurance
   * Errors and Omissions
   * Cyber Security Insurance
   * Workers Compensation
   * Other Coverage
 * Who We Cover
   * Small Business Owners
   * LLC
   * Sole Proprietors
   * Entrepreneurs
   * Side Hustle
   * Contractors
   * Home Businesses
 * For Our Customers
   * Refer a Friend Program
   * Covid-19 Response
   * Claims Center
 * For Business Owners
   * Save with our Partners
   * Blog
 * About Hiscox
   * About Us
   * Careers
   * Contact Us
   * Hiscox Corporate
   * Investors
   * Foundation
   * Newsroom
   * Diversity, Equity and Inclusion
   * Affiliate Partner Program




FOOTER MENU 2

 * Accessibility
 * Site Map
 * Privacy Policy
 * Terms of Use
 * Legal Notices
 * Español

Your privacy choices

Feefo Reviews: Hiscox rated 4.7/5 with 944 reviews between January 1, 2023 -
January 1, 2024

* Any cost, premium, or coverage stated before an official customer quote are
estimates and an approximation and are not guaranteed. Actual cost, premium, and
coverage are subject to the unique considerations of each individual risk.
Customer quotes are based on the information provided to Hiscox, and are subject
to required underwriting and rating factors. Until an official customer quote is
provided, all communication on this website or advertisement is provided as an
example for informational purposes only, and is neither an offer nor a guarantee
of available premium or coverage. Any coverage afforded by the products
described are subject to and governed by the terms and conditions of each policy
issued. This information may not be used to modify any policy that might be
issued. Any information provided to assist in understanding the coverage we
offer does not modify any insurance policy, nor does it imply that any claim is
covered.

© 2024 Hiscox Inc. All rights reserved. Underwritten by Hiscox Insurance Company
Inc., 30 N. LaSalle St., Suite 1760, Chicago, IL 60602. As of December 31, 2023,
HICI had admitted assets of $1,787,363,617 and policyholders surplus of
$498,167,705. Total liabilities were $1,289,195,912 (inclusive of $734,774,973
of loss reserves) and paid-up capital stock was $4,242,000.

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