Business Owner's Policy (BOP)

General liability insurance which protects your business from another person or business’ claims of bodily injury, associated medical costs and damage to their property.

Hiscox business owner's policy with general liability insurance covers:

• Property damage: You need not worry if you accidentally damage someone else’s property because we’ll cover claims of damage if you’re held legally liable. We also cover legal costs if you’re sued, without reducing your limits of liability.
• Bodily injury: You’re covered if someone other than yourself, or an employee is injured at your workplace, and if you’re held legally liable. We also cover legal costs if you’re sued without reducing your limits of liability.
• Personal injury: Hiscox protects you against claims of libel or slander incurred through the delivery of your professional services.
• Electronic data liability: Added for consultants and technology service providers, we cover your liability for loss of someone’s electronic data resulting from the physical damage of property (e.g., an employee accidentally damages a client’s server resulting in the loss of the client's data).
• Advertising injury: We protect you against the unintentional use of a third party’s advertising idea, copyright or trade slogan if it’s used as part of your advertising (press advertisement or email).
• Damages to premises rented: If you rent or use a property with permission of the owner (e.g., office space or a conference facility) and cause a fire, our policy provides protection from such a liability claim.
• Medical expenses: If an accident occurs and a third party is injured, your Hiscox general liability insurance policy will also cover any associated medical expenses up to $5,000 for each injured person.
• Supplemental payments: We cover the following without reducing your limit of liability:
  • All expenses we incur, including the defense of lawsuits.
  • Up to $250 a day for loss of earnings and reasonable expenses incurred while assisting us in the investigation of the claim against you.
• Defense costs: If you’re sued, we'll appoint an attorney to defend you, if necessary. We’ll defend a lawsuit even if the claims are groundless, and we’ll pay the defense costs on your behalf without reducing your limits of liability.
• Actions of your full-time employees and temporary staff: We provide coverage for the actions of your full-time employees and temporary staff that are performed on behalf of your business.
• Worldwide insurance coverage: We cover damages occurring in the United States, its territories and Canada. We also offer some coverage for short periods of travel outside these areas.

Property liability insurance covers your business furniture and equipment at up to five different office locations, including accidental damage.