Hiscox Insurance specializes in professional liability insurance (E&O), cyber liability insurance, general liability insurance, business owners policy BOP, directors and officers D&O, and tailored coverage for freelancers, consultants, creative professionals, restaurants, contractors, and technology companies throughout the USA.
This central Hiscox hub stores all Hiscox insurance reviews 2026, cost guides, coverage comparisons, and provider analysis. Find Hiscox professional liability insurance cost, Hiscox cyber insurance rates, Hiscox general liability insurance, Hiscox BOP pricing, Hiscox errors and omissions insurance, and specialty programs for service-based businesses.
Hiscox Insurance Coverage Portfolio
Hiscox Professional Liability (E&O) Insurance
Hiscox leads in professional liability insurance for service providers with pay-per-day options, worldwide coverage, and no deductible on defense costs. Covers negligence claims, errors, omissions, and breach of duty.
Key Professions:
- Consultants (business consultant insurance)
- Accountants (professional indemnity insurance for accountants)
- IT services (IT contractor insurance)
- Creative agencies (business insurance for photographers)
- Legal professionals (lawyers professional liability)
E&O Cost Examples (2026):
| Revenue | Profession | Monthly Premium |
|---|---|---|
| $100K | Consultant | $25-$65 |
| $250K | Accountant | $55-$125 |
| $500K | IT Services | $85-$185 |
| $1M | Creative Agency | $150-$325 |
Hiscox E&O Features:
- Pay-per-day billing (monthly)
- Worldwide territory
- Prior acts coverage available
- Defense costs outside limits
Hiscox General Liability Insurance
Hiscox general liability insurance provides $1M-$3M limits for third-party bodily injury, property damage, and advertising injury. Flexible for home-based businesses and freelancers.
Coverage Includes:
- Products/completed operations
- Personal/advertising injury
- Damage to premises rented ($50K)
- Medical payments ($5K)
Rates by Business Type:
| Business | Annual Revenue | Monthly Rate |
|---|---|---|
| Freelancer | $50K | $18-$35 |
| Home-based | $100K | $25-$55 |
| Consultant | $250K | $45-$95 |
| Agency | $500K | $75-$165 |
Hiscox Business Owners Policy (BOP)
Hiscox BOP insurance bundles general liability + property + business income for eligible professional services, retail, and office-based businesses with revenue under $2M.
BOP Components:
- GL: $1M occurrence/$2M aggregate
- Property: Building/contents up to $500K
- Business income: 12 months
- Equipment breakdown optional
Eligibility & Pricing:
| Revenue | Business Type | Monthly Premium |
|---|---|---|
| $150K | Professional Office | $35-$75 |
| $300K | Retail Store | $55-$115 |
| $750K | Service Business | $85-$175 |
| $1.5M | Light Wholesale | $125-$275 |
Hiscox Cyber Liability Insurance
Hiscox cyber insurance offers first/third-party coverage for data breaches, ransomware, social engineering, and regulatory compliance. $250K-$5M limits with quick quote turnaround.
Cyber Protection Includes:
- Forensic/IT security experts
- Breach notification/legal fees
- Credit monitoring ($25K/person)
- Regulatory fines
- Public relations support
Cost Structure:
| Revenue | Coverage Limit | Annual Premium |
|---|---|---|
| $250K | $250K | $650-$1,450 |
| $750K | $1M | $1,200-$2,800 |
| $2M | $2M | $2,200-$4,500 |
| $5M+ | $5M | $4,000-$9,000 |
Hiscox Directors & Officers (D&O) Insurance
Hiscox D&O insurance for private companies, non-profits, and startups with employment practices liability (EPL) combined. Covers wrongful acts, fiduciary breaches, and regulatory investigations.
D&O Coverage:
- Side A/B/C protection
- Non-rescindable Side A
- Worldwide jurisdiction
- Defense costs advancement
Premium Examples:
| Revenue | Employees | Annual Cost |
|---|---|---|
| $1M | 10 | $4,500-$9,500 |
| $5M | 25 | $9,000-$18,500 |
| $15M | 50 | $18,000-$35,000 |
Hiscox Insurance by Industry & Profession
Professional Services & Freelancers
- Insurance for freelancers comprehensive coverage
- Business consultant insurance programs
- Professional indemnity insurance for accountants
- IT contractor insurance worldwide protection
- Life coach insurance professional coverage
Creative & Media Businesses
- Business insurance for photographers coverage
- Videographer insurance equipment protection
- Wedding photographer insurance options
- Creative agency general liability insurance
Hospitality & Food Service
- Best insurance for restaurants coverage options
- Catering business insurance event liability
- Food truck business insurance comprehensive
- Bar insurance cost liquor liability coverage
Contractors & Trades
- Best handyman insurance coverage options
- Insurance for lawn mowing business
- Pressure washing business insurance cost
- Painting business insurance contractor coverage
Retail & Ecommerce
- Ecommerce insurance online store protection
- Retail shop insurance inventory coverage
- Amazon seller insurance marketplace liability
Hiscox Complete Articles & Guides Hub
Central repository for all Hiscox insurance professional and commercial coverage content:
Published Hiscox Guides:
• Hiscox Professional Liability Insurance (E&O) 2026 Complete Guide
• Hiscox Cyber Insurance Coverage & Cost Analysis for Service Businesses
• Hiscox General Liability vs Next Insurance Comparison 2026
• Hiscox Business Owners Policy for Freelancers & Consultants
Coming Soon:
• Hiscox Directors & Officers Insurance for Tech Startups
• Hiscox Restaurant Insurance: Liquor Liability + Property Coverage
• Hiscox Creative Professional Insurance Packages (Photographers, Videographers)
• Hiscox Contractor Insurance: Handyman, Cleaning, Pressure Washing Coverage
Hiscox Premium Comparison Chart
Monthly Costs for Service Businesses (2026):
| Coverage | Hiscox | Next Insurance | AmTrust | Chubb |
|---|---|---|---|---|
| Professional Liability | $35 | $45 | N/A | $85 |
| General Liability ($1M) | $28 | $25 | $45 | $65 |
| BOP Package | $55 | N/A | $65 | $95 |
| Cyber ($1M) | $125 | $185 | $150 | $325 |
| D&O ($1M) | $450 | N/A | N/A | $1,050 |
Hiscox Financial Ratings & Market Position
Strengths:
• AM Best Rating: A (Excellent)
• Lloyd's of London backing (syndicate strength)
• Fast online quoting/binding
• Pay-per-day premium flexibility
• Worldwide coverage standard
Market Focus:
• Service professionals (75% portfolio)
• Businesses under $2M revenue
• Home-based operations
• International/freelancer coverage
Frequently Asked Questions
What is Hiscox professional liability insurance cost?
$25-$325 monthly depending on profession, revenue, and coverage limits with pay-per-day billing available.
Does Hiscox offer cyber liability insurance?
Yes, comprehensive cyber coverage from $250K-$5M limits including incident response, legal defense, and regulatory compliance protection.
Can freelancers get Hiscox general liability insurance?
Yes, home-based freelancers qualify for $1M-$2M limits starting at $18/month with worldwide territory coverage.
What businesses qualify for Hiscox BOP insurance?
Professional offices, retail stores, light wholesalers under $2M revenue excluding high-hazard manufacturing or contracting.
Does Hiscox insure photographers and videographers?
Yes, specialized coverage for creative professionals including equipment protection and event liability starting at $25/month.
How much is Hiscox D&O insurance for startups?
$4,500-$35,000 annually based on revenue and employee count with employment practices liability included.
Can I get Hiscox restaurant insurance coverage?
Yes for limited-service restaurants, catering businesses, and food trucks with liquor liability endorsements available.
What makes Hiscox different from traditional insurers?
Online instant quoting, pay-per-day premiums, service professional specialization, and Lloyd’s backing provide flexibility for modern businesses.
Does Hiscox offer worldwide coverage?
Yes, professional liability and cyber policies include worldwide territory protection standard.
Obtaining Hiscox Insurance Coverage
Instant Quote Process:
- Online Application – Complete 5-minute business profile
- Risk Assessment – Automated underwriting engine
- Instant Decision – Coverage bindable immediately
- Flexible Billing – Monthly pay-per-day or annual options
- Certificate Delivery – Digital proof of insurance instantly
Best For: Freelancers, consultants, creative professionals needing fast coverage.
Hiscox Insurance Complete Hub – Updated January 2026. Centralized resource for Hiscox professional liability, cyber, general liability, and BOP coverage across USA service industries. Premiums based on published carrier data. Coverage subject to underwriting approval.