Business of 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.

For example, if a client claimed you gave incorrect advice that led to their financial loss, Hiscox professional indemnity insurance would cover the compensation owed up to the limit of your cover. People that could benefit from professional indemnity insurance include:
  • Those that offer advice to clients
  • Those with access to or knowledge of clients' confidential information
  • Those that provide a professional service that could be challenged

Find out more about Hiscox professional indemnity 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 that sometimes simply can't be avoided 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. Likewise, if a member of the public or a client slipped on a wet floor at your business premises and injured themself, you could be held responsible

Find out more about Hiscox public liability insurance

Hiscox also offers 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.

Find out more about Hiscox employers' liability 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

Our blog is an essential resource for small businesses. Here you will find valuable and practical insights, advice and tools. This includes our small business stars hub. which is packed full of insightful spotlight pieces on small business owners, their success stories and invaluable advice. You'll also find useful and interesting series on everything from branding to the politics of business.

If you have any questions or would like to know more about the business products and services we offer, please get in touch.

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