We offer small business insurance that’s suited to the risks you face. 

Our business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

With our tailored business insurance, you'll have access to flexible commercial insurance products so you can build the level of cover that's right for your business and protect what's most important to you.  

Our products range from specialist cyber and data risk insurance to protect you from digital threats, to cover against costly legal action. If the going gets tough, we can cover you from legal advice and defence, through to compensation.

As part of your business insurance, you’ll receive:

  • 0% interest on Direct Debits
  • immediate coverage and documentation
  • no admin fees if you amend your policy
  • a range of cover limits to suit your needs
  • professional cover from the winners of Best Small Business Insurance Provider.

Find out what products are available for your profession and get a business insurance quote today.

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Select the products that meet your needs and quickly get a business insurance quote with flexible cover.

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Professional indemnity insurance can protect you against the cost of settling or defending a client’s claim that there’s a problem with the work you’ve done for them.

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Public liability insurance covers the cost of settling or defending a claim for bodily injury or property damage from a client or a member of the public.

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Employers’ liability insurance covers the cost of defending or settling an employee’s claim that they have suffered bodily injury or disease as a result of the work they do for you. It covers the legal and compensation costs for these claims, and most businesses with employees are legally required to have it.

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Commercial legal protection insurance covers you for legal action taken against your business, such as disputes about contracts, debt collection, damage to property and bodily injury. It covers the costs of legal advice and representation, and compensation pay outs.

Call us on 0800 2800 351 (Mon - Fri 8am-7pm | Sat 9am-2pm)

Calls are free from a landline and some mobile contracts

Professional indemnity insurance

Professional indemnity cover can help protect you against the cost of defending or settling a client's claim of negligence or error on your part. It offers vital protection should someone want to seek compensation from you due to the work you have done for them.

You could benefit from professional indemnity insurance if you:

  • offer advice to clients
  • have access to or knowledge of clients' confidential information
  • provide a professional service that could be challenged.

Public liability insurance

Public liability insurance protects your business against the cost of settling or defending a claim for bodily injury or property damage from a client or member of the public. It’s designed to cover you for all the slips, trips and falls in the workplace or in a professional capacity.

What many people don’t realise is that, as a business owner they can be liable for all sorts of accidents both on their business premises and away from them. For example, if you were to damage a client’s property in their office a claim could be brought against you.

Employers' liability insurance

We also offer employers’ liability insurance, which protects your business against the cost of settling or defending an employee claim of bodily injury or illness caused by the work they do for you.

Cyber and data risks insurance

Cyber and data risks insurance covers everything from extortion, data theft and hacking, to phishing attacks. If your business is interrupted by a cyber attack or a hacker holds your data to ransom, we have a team of people to help get you back up and running.

Our team of IT specialists will recover lost data and prevent further damage wherever possible, while our PR and legal specialist teams can help clear things up if your reputation is damaged.

We can also provide compensation for losses you may have incurred.

You may need cyber and data risks insurance if you:

  • hold sensitive customer data, such as names, addresses or banking information
  • are reliant on computer systems to conduct your business
  • have a website
  • are subject to a payment card industry (PCI) merchant services agreement.

Find out more about Hiscox Cyber and Data Risks Insurance

Other business insurance

From covering you for accidents to the contents of your office – wherever it may be – we provide additional business insurance solutions across a wide range of areas.

Personal accident insurance pays out a lump sum if you or a crucial member of staff is injured and unable to work as a result.

Office contents insurance can cover your business equipment in case it’s accidentally damaged, lost or stolen. This includes your office electrics, furniture and documents, and covers the cost of repair and replacement. You can even choose to cover items on the move including your laptops and mobile phones.

As a company director, by law, you have unlimited personal liability. Directors’ and officers’ liability insurance covers the legal and compensation costs of claims made against the director, partner or officer of your business.

Commercial legal protection insurance protects your business against legal claims including tax enquiries and disputes over employment, contracts and bodily injury. It covers the cost of legal advice and defence and any compensation you may need to pay.

Treatment and professional liability insurance covers you for compensation payouts if a client claims they’ve become ill or injured as a result of your treatment or advice.

If you insure your business with us, you can access expert advice and resources about minimising risk for your business by adding Business HR Solutions to any of the policies you currently have with us.

If you're a specialist independent retailer in the UK, we have insurance tailored to your needs. We offer a flexible approach to provide complete cover that best suits your business.

If you're an independent trades and construction contractor in the UK, we have tradesman insurance options tailored to suit you.

Already have a policy with us?

If you already have a policy with us and need to get in touch, our business insurance experts are here to help.

Make a claim

If something goes wrong, we’re here to put it right.

Our claims promise

Our UK-based experts are here to act swiftly and in your best interests.

Hiscox Business Club

Hiscox have built an iconic office building in York city centre and we are demonstrating our support for small business owners by inviting local entrepreneurs to share our space, and benefit from the opportunity to collaborate with other like-minded business owners.