Hiscox Small Business Insurance

Hiscox Small Business Insurance

Member Benefit Explanation



Hiscox offers businesses a new way to buy small business insurance online in minutes.

Get Insurance Customized To Your Small Business

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Hiscox offers professional service businesses a new way to buy small business insurance online in minutes. We specialize in protecting IT/technology, marketing, consulting, and many other professional service businesses, tailoring coverage to the specific risks in each industry.

 

Why do I need small business insurance?

Small business owners have a lot going on, and it’s easy to let something like business insurance drop to the bottom of the list. But it’s important to protect your business from claims and lawsuits that you can’t see coming.

How much does business insurance cost?

The cost of small business insurance depends on the industry you’re in, the size of your business, the type of insurance, and other factors. Most small businesses spend $30 a month or less for a general liability policy, but your costs could vary. You can get a quote in the box above to find out how much your coverage may cost.

What Kind of Business Insurance do I need?

This depends on the type of business you have. Most businesses will need general liability insurance, especially if  you meet with clients face to face. If you offer professional advice, you should also have professional liability insurance. If you have business equipment, like computers or tools, you may consider a business owners’ policy (BOP) which combines general liability with coverage for your business property. 

What is the difference between general liability and professional liability insurance?

General liability insurance covers someone else’s claim of bodily injury, property damage or personal injury. This means if someone gets hurt at your place of business, or their property is damaged, you’re covered. You’re also covered for claims that you damaged someone’s reputation by slander or libel. 

Professional liability insurance covers your professional services or advice. This is sometimes called errors and omissions insurance because it covers something you did that you shouldn’t have (an error) and something you should have done that you didn’t (an omission). Professional liability insurance protects for defense costs you even if the claim against you is found to be without merit.

Do I need business insurance if I’m an LLC?

Yes.  An LLC protects your personal assets in the event of a suit or claim, but the assets of the business are still at risk. Business liability insurance will protect your business’s assets. 

To take advantage of this benefit and others that the NASE has to offer you must be a member.

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Once logged in as a member, you will see additional instructions for this benefit on this page.

Not a Member?

At the NASE, we realize that the needs of all businesses are not the same. This is why we have created multiple memberships to select from that fit your business, home, medical needs and more.

We would like to invite you to view our Benefits at a Glance to help you make an informed decsion and maximize your investment.

Have Questions or Need Help?

We have a team of professionals ready to do whatever they can to help you.
Click here to call us or send us an email if you prefer.

 

The benefits explained herein are offered at the sole discretion of the association and may vary by availability, vendor and state of residence of the member. Vendors reserve the right to withdraw or change their offers without notice. The association makes no affirmation of fact or promise relating to the goods and services, and specifically disclaims any warranty, expressed or implied, as to the merchantability of the goods and services reflected. To be entitled to the association benefits, you must be a member in good standing and dues must be paid current.

 

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Courtesy of NASE.org
https://www.nase.org/become-a-member/member-benefits/business-resources/hiscox-small-business-insurance