Best Small Business Insurance Options

Business Insurance

Have you heard of Hiscox?  I bet you haven’t, and if you own a small business opportunity, franchise or any type of home-based business, you should.

by Kevin James Culp

Ownership can be fraught with unforeseen issues that can really hit you hard, especially if you aren’t ready for just about anything.  And who is these days?

Given Irma and so many other unprecedented storms as of late, I have had to learn to be mobile-savvy and app-friendly, an on-the-go tech geek so to speak.  While anyone can throw his or her belongings in a trusty dusty and “bug out,” not everyone is equipped to do it the right way when the time comes, and so it’s all too easy to get it wrong.  When and if you do you need insurance my friends, and you need it sooner rather than later, which is why I’m glad you’re reading this post.

The need to be prepared is especially critical if you are the head of the household and your family relies on you to make money and pay the bills.  If your new business venture takes off only to be taken out by a flood, a fire, a wind event or, God forbid, anything else like that, you need to be ready, and you need to do it as affordably as you can.

I know that you’ve heard of The HartfordAllstateState FarmGeico, MetLife and so on, but there’s another company that I see featured in a number of portals.  It’s called Hiscox, and it specializes in insurance for small companies just like yours, offering a wide range of coverage types for a diverse set of industries.  Hiscox particularly stands out in insurance policies for businesses run out of the home and tailors its policies by reducing coverage in your BOP to match the reduced risk. They’re America’s #1 Small Business Insurance provider!

Hiscox Insurance Family

Hiscox Costs & Coverages

A general liability policy from Hiscox averages about $30 for most small businesses, and you can bundle property coverage into a BOP that starts at just $42 per month.  Hiscox specializes in liability insurance and can tailor products to cover exposures in nine industries and more than 70 specific professions.  On top of the common policies, such as  general liability, cybersecurity, and workers’ compensation, Hiscox can quote others.

Here are a few of Hiscox’s additional liability policies:

  • Directors and officers insurance
  • Management liability insurance
  • Employment practices liability insurance
  • Hired and non-owned auto liability insurance

What Hiscox Is Missing

With an online service portal, live chat and simple application, Hiscox does an excellent job of using technology to create a positive client experience.  However, the company doesn’t offer surety bonds. While not an insurance policy, bonds are often needed for contract work, especially in the construction industry.

How to Apply for Business Insurance at Hiscox

You can apply with  Hiscoxonline anytime and get same-day coverage.  To start an application, choose your industry and state from the drop-down menus, click Get a Quote, and answer a few questions about your business.  The process takes only minutes to complete.

Speak with a licensed insurance agent at 1-844-837-4792, Monday through Friday, 7am – 10pm ET

Hiscox Insurance Quote

Thanks for Reading and Carpe Diem My Friends

Source:, Hiscox,

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