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General liability, professional liability, BOP and other options
Before applying
Coverage, price and eligibility depend on the issued policy.
What the offer provides
Hiscox offers small-business insurance information and quote routes across several coverage types. Its site distinguishes general liability, professional liability, business owner’s policies and cyber coverage, among other options. These address different business exposures, so identifying the work your business performs is more useful than treating all commercial insurance as one standard package.
What to compare
General liability and professional liability cover different categories of claims. A business owner’s policy combines specified liability and property elements, while cyber coverage has its own terms. Review the profession description, covered operations, exclusions, per-claim and aggregate limits, deductibles and any retroactive date. Client contract requirements should be checked against the actual policy documents.
Cost and eligibility
Getting a quote is free; policies have premiums based on the business, selected coverage and underwriting. Advertised starting prices apply to specific examples rather than every occupation. State and industry eligibility can vary, and some products may involve partner arrangements. Confirm the insurer, full premium and any conditions required before a certificate can be issued.
How to request an offer
Prepare your business description, location, revenue, staffing and prior-coverage information. Choose the relevant insurance type or ask the licensed agent to explain the categories. Review the proposed coverage against the activities and contract requirements you disclose. Confirm final terms and the effective date before purchasing, then retain the policy and any certificate of insurance.
Frequently asked questions
Does general liability include all professional mistakes?
Not necessarily. Professional-services claims are a separate exposure often addressed by professional liability. Read the exclusions and discuss the actual work performed.
Is a certificate the complete insurance contract?
No. A certificate summarizes selected information. The policy, endorsements and exclusions establish the terms of coverage.
Review your quote options
Visit the provider for a quote and read the full policy terms before purchasing.
Offer information reviewed in October 2026. Availability, pricing and eligibility may change.