Hiscox Business Insurance for Alexander Rosse customers

Hiscox are your preferred business insurance provider. Our business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

Hiscox UK

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Telephone enquiry number
Call on 0800 781 3042
Telephone enquiry hours
Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

7.5% discount for Alexander Rosse customers

Select the products that meet your needs and quickly get a business insurance quote with flexible cover.

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Professional indemnity insurance can protect you against the cost of settling or defending a client’s claim if there’s a problem with the work you’ve done for them.

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Public liability insurance covers the cost of settling or defending a claim for bodily injury or property damage from a client or a member of the public.

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Employers’ liability insurance protects your business against claims of bodily injury or illness from employees. It covers the legal and compensation costs for these claims, and most businesses with employees are legally required to have it.

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Cyber and data risks insurance is designed to support and protect your business if it experiences a data breach or is the subject of an attack by a malicious hacker that affects its computer systems. 

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(Mon - Fri 8am-7pm | Sat 9am-2pm)

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More from Hiscox

What is personal accident insurance?

Personal accident insurance is designed to protect your business financially should you suffer an injury from an accident that leaves you unable to work. It can also offer protection against the same happening to a key member of staff.

For example, you may worry about how your business would cope if you were to suffer a serious injury in a car accident, leaving you bed-ridden for a prolonged period of time. Likewise, a partner or director in your business may fall down a flight of stairs and sustain multiple injuries, keeping them in hospital for several months. With personal accident cover in place, your business would receive a lump sum or weekly pay-outs to help offset any resulting loss in income, as well as further support towards retraining costs.

You may need personal accident insurance if you:

  • are concerned about how your business would survive if a key member of staff was unable to work
  • want to take steps to protect your business income
  • need to continue to meet your business commitments should the worst happen.

How Hiscox Personal Accident Insurance protects your business

  • lump sum payment to the business up to £100,000 if an employee sustains a physical injury as a result of an accident, either within or outside working hours, which results in their death or permanent disablement
  • recruitment expenses up to £10,000 – cover the cost of replacing an insured employee who is unable to work following accidental injury
  • retraining budget – we will provide up to £10,000 funding to retrain the affected person for an alternative occupation if they cannot continue their former job
  • funeral expenses – up to £5,000 to cover funeral costs, which would also cover repatriation costs if required

Build one comprehensive insurance plan

With Hiscox Business Insurance you can pick and choose which policies you feel you and your business need, so you’ve got one tailored plan in place. This may include public liability insurance, employers' liability insurance, professional indemnity insurance, cyber and data risks insurance and personal accident insurance. You may also benefit from things like office insurance which can include portable equipment cover, if you work with expensive computers or equipment.

Your policy

We want you to understand the personal accident cover we offer.

Call 0800 7813 044 to get a quote.

What is office insurance?

Office insurance can offer cover for office contents, office premises, business interruption that leads to loss of income and equipment breakdown. Hiscox Office Insurance offers all of this, as well as portable equipment insurance. You can pick and choose which office insurance policies you need to create one tailored package.

Who needs it?

Whether you work from home or a separate business premises, having the right insurance cover for your office is important. We understand that every small business is different so we offer policy options you can tailor to your own specific needs.

Our business contents insurance covers the cost of replacing or repairing your office equipment if it is accidentally damaged, lost or stolen. In addition, you can also add a range of specialist covers to your policy: portable equipment, business interruption, equipment breakdown and buildings.

What type of insurance do I need?

As well as office contents insurance, you may also benefit from the below policies. This will depend on the nature of your business, and whether you own the premises you work from or rent them. For example, you probably won’t need office buildings insurance if you rent.

Why choose Hiscox Office Insurance?

  • We cover non-standard items such as artwork and visitors’ personal effects as standard
  • We provide contents cover on an ‘all-risks’ basis, which means we cover all eventualities while clearly listing the few exclusions
  • You can tailor policy options to suit the needs of your business and add a range of specialist covers to your policy
  • You can pay your premium by interest-free Direct Debit.

Do I need a separate home office insurance policy?

No, Hiscox Office Insurance also covers those that work or run a business from their home. So if you have a home office, you would choose from the same office insurance products as those that work from commercial premises.

Create your own comprehensive business insurance package

Any business owner faces a variety of risks, but these needn’t be unmanageable with the right insurance protection in place. You can either take out Hiscox Office Insurance on its own, or as part of a tailored insurance package. This might include public liability insurance and professional indemnity insurance, as well as things like cyber and data risks insurance and personal accident cover, depending on the nature of your business.

Call 0800 7813 044 to get a quote.

What is cyber and data risks insurance?

Cyber and data risks insurance is designed to support and protect your business if it experiences a data breach or is the subject of an attack by a malicious hacker that affects its computer systems. It provides comprehensive cover, simplicity, reputation protection and a trusted partner in the event of a claim.

Cyber and data risks insurance cover information

Hiscox Cyber and Data Risks Insurance offers comprehensive protection for your computer systems and data, all available in a single insurance policy.

Costs your business may incur directly as a result of an incident.

Ransomware - Cyber extortion
We will protect you if a hacker tries to hold your business to ransom by covering  the ransom you have paid, as well as the services of a leading risk consultancy firm to help manage the situation.

Breach costs
We offer practical support in the event of a data breach (electronic or otherwise) including forensic investigations, legal advice, notifying customers or regulators, and offering support such as credit monitoring to affected customers.

Cyber business interruption
We will provide compensation for loss of income, including where caused by damage to your reputation, if a hacker targets your systems and prevents your business from earning revenue.

Hacker damage
We will reimburse you for the costs of repair, restoration or replacement if a hacker causes damage to your websites, programs or electronic data.

Crisis containment
We provide expert support to mitigate reputational damage. In the event of a data breach, prompt, confident communication is critical to help minimise the damage to a company’s reputation. We include crisis containment cover with a leading public relations firm who can provide expert support, from developing communication strategies to running a 24/7 crisis press office.

Amounts you may be liable to pay to others

Privacy protection
We will pay to defend and settle claims made against you for failing to keep customers’ personal data secure. We will also pay the costs associated with regulatory investigations and settle civil penalties levied by regulators where allowed.

Multimedia liability
The policy includes protection if you mistakenly infringe someone’s copyright, for example by using a picture online without permission, or inadvertently libel a third-party in an email or other electronic communication.

Find the right level of cover for your business

You can choose from different levels of cover to ensure you get the right protection for your business. When working out the amount of cover you need, you should consider:

  • the amount and type of confidential, personal or sensitive data you hold
  • the size of your business
  • your dependence on computer systems.

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.

As businesses become ever more reliant on technology, the risk of suffering a loss related to problems with computer systems or holding sensitive customer data continues to grow. It could be that your business holds personal information on clients or customers, including names, addresses and banks details. Maybe your systems and data are held on physical servers or in the cloud. Or perhaps you are reliant on a website for the running of your business. Damage or unauthorised access to any of these could lead to reputational damage and legal or regulatory costs.

How Hiscox Cyber and Data Risks Insurance protects your business:

When it comes to cyber security, insurance is one of the only ways to ensure your back is covered should the worst happen.

  • A trusted partner in the event of a claim. Financial compensation is not all that’s needed to deal with these new and evolving risks. So Hiscox will not just pay out when you suffer a loss, but will also provide you with access to a team of experts who will actively work with you to minimise your loss and the possible damage to your business.
  • Specialist expertise. We’ve been providing cyber and data insurance for 14 years, so we understand the changing risks that businesses face and have evolved our product to protect them.
  • Access to a worldwide network of privacy lawyers and technical specialists who will offer expert support and guidance in the event of a claim.
  • Access to Hiscox eRiskHub. We give access to tools and resources to help you stay up to date with evolving risks, understand your exposure and establish a response plan.

Protect your hard-earned reputation

Although you undoubtedly strive to work with as much precision and care as possible, mistakes can happen which is when the reputation of your business could come under threat. Hiscox Cyber and Data Risks Insurance includes free crisis containment cover. This provides access to specialist public relations support if a covered claim looks likely to damage the reputation of your business. So, should the worse happen, you can let the experts manage your response to events while you focus on running your business.

Your policy

We want you to understand the cyber and data risks cover we offer.

Call 0800 7813 044 to get a quote.

Running a small business is time consuming, especially when you have to combine your day-to-day projects alongside business administration and paperwork. If you employ staff, the paperwork increases and you must also keep up to date with the legal requirements that come with being an employer.

As a Hiscox Business Insurance customer you can add-on access to employer advice from Business HR Solutions to any of our policies. Business HR Solutions are experts at delivering HR support to small businesses, providing advice and resources that help minimise the legal risk of employing people. The service is designed to keep you up-to-date and help you stay on top of changes in human resource and health and safety legislation, as well as providing templates and guidance.

Through an easy to use website, Business HR Solutions helps to protect your business by providing as standard:

  • Access to templates of employment contracts, forms, policies, letters and a staff handbook  – save time and money putting in place the right documentation and policies for your business
  • A wide range of downloadable HR and health and safety guides – get instant access to  the information you need
  • Free online human resources and health and safety risk assessments – quickly and easily identify gaps in your policies and make the necessary improvements
  • Monthly e-newsletters and regular webinars providing information on changes to the law and practical advice to help you minimise your HR risks – stay on top of the latest legal requirements and industry best practice, keeping your employees safe and happy
  • A free call to the advice helpline – get up to speed quickly with personalised expert advice
  • Access to webinars on a range of HR and Employment related matters.

More details about Business HR Solutions

We want you to understand the services that Business HR Solutions provides.

Call 0800 7813 044 to get a quote.

What is directors’ and officers’ liability insurance?

Directors’ and officers’ liability insurance, or management liability insurance, is insurance cover that offers financial protection to those who are the director, partner or officer of a company. It is designed to cover the cost of claims for compensation made against the insured individual. 

Being a director, partner or officer of a company brings with it certain responsibilities – to employees, members of the public, investors and regulators. It also exposes the individuals holding the positions of director, partner or officer to personal liability for the actions or omissions they make in the performance of their company duties. This means that they can personally be the subject of claims which could lead to the payment of fines, compensation or imprisonment.

With Hiscox directors’ and officers’ cover you can be confident that you and any other insured directors, partners or officers are protected against the cost of defending or settling:

  • a health and safety or manslaughter claim
  • an employment claim

and claims arising from:

  • a breach of duty or trust
  • negligence
  • defamation
  • wrongful trading under section 214 of the Insolvency Act 1986
  • the operation or administration of a pension or employee benefit scheme
  • pollution.

How Hiscox Directors’ Liability Insurance protects you

It covers your personal wealth, or that of any other insured directors, partners or officers, for defence costs incurred during a claim and awards made against you. For example:

  • claims by investors or other shareholders (including other directors)
  • defence costs and awards of claims arising from your personal involvement with the administration of any company pension
  • defence costs, compensation and fines payable as a result of a health and safety claim from an injured employee.

Your policy

We want you to understand the directors’ and officers’ liability cover we offer.

Call 0800 7813 044 to get a quote.

Our legal expenses cover will help you defend and pursue your rights. 

Running a small business can bring great satisfaction and reward, but it also brings worries. There are the clients, possibly suppliers and employees, plus a whole range of other interactions and arrangements that all come together to make your business unique – and operational. The problem with all of these hourly, daily, weekly encounters is that they bring the potential for disagreement or dissatisfaction and possibly a costly and stressful legal dispute. And that’s the last thing you need when you’re putting everything you have into making your business a success.

Hiscox Commercial Legal Protection Insurance can help to ease the worry of what you would do if faced with a dispute. It’s underwritten by the market leaders in specialist legal insurance, DAS, and covers the cost of the commercial legal advice and representation required to defend legal rights relating to employment disputes, legal proceedings, property protection, bodily injury and tax protection.

How Hiscox Commercial Legal Protection Insurance covers your business:

  • up to £100,000 for legal costs incurred defending a claim. For example, it would help cover the appointment of solicitors, barristers and expert witnesses
  • access to the DAS legal advice helpline, which can help your business deal with disputes with suppliers, tax enquiries, and problems with employees
  • free access to our expert tax advice helpline, DAS employment manual and DAS BusinessLaw online database which includes document building tools including letter templates to help you run your company.

Our standard commercial legal protection insurance covers claims relating to:

  • Employment disputes and compensation awards – such as employment tribunals and disputes arising from employees, prospective employees and ex-employees 
  • Non-motor criminal prosecutions and certain civil legal proceedings
  • Your property – following damage, nuisance or trespass
  • Bodily injury – assistance to pursue the legal rights of an insured person following their death or bodily injury
  • Tax protection – representation in appeal proceedings of a full or aspect enquiry or VAT dispute.

Extended cover for contract disputes and debt recovery

As an enhancement to our standard commercial legal protection insurance, we can also provide cover for contract disputes and debt recovery. It’s particularly suited to contractors and consultants, whose delivery of a service or contract could be challenged by a client, perhaps because of late delivery or disagreement over the scope of a piece of work. Commercial legal protection with contract disputes and debt recovery includes all of the standard cover, but also provides cover for claims relating to:

  • Contract disputes – DAS will negotiate the policyholder’s rights in a contractual dispute exceeding £250 and relating to the purchase, hire, sale or provision of goods or services.
  • Debt recovery – DAS will negotiate the policyholder’s rights in the recovery of money and interest due from the sale or provision of goods or services exceeding £250.

Your policy

We want you to understand the commercial legal protection insurance cover we offer. There are two versions: the standard legal protection cover and the enhanced cover including contract disputes and debt recovery.

Call 0800 7813 044 to get a quote.

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Contact us

If you have any questions about Hiscox or would like to know more about the business products and services we offer in the UK please call us on 0808 3014 597, 8am to 7pm Monday to Friday and 9am to 2pm on Saturdays.

Alternatively you can email us at [email protected]

To cancel a business insurance policy, you need to give us 30 days' notice and pay the premium due up to the cancellation date.

Make a claim

If something goes wrong, we’re here to put it right.

Need to make a claim?

Terms and conditions apply, for full terms see below. Alexander Rosse is not authorised by the FCA for passing on information about Hiscox (as this is not a regulated activity). Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority. For UK businesses only.

Alexander Rosse is not authorised by the FCA for passing on information about Hiscox (as this is not a regulated activity). Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority. For UK businesses only. Policies are underwritten by Hiscox Underwriting Ltd on behalf of Hiscox Insurance Company Ltd. Hiscox Insurance Company Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. If you do not fit Hiscox underwriting criteria for this scheme, Hiscox can refer you to a specialist broker. For UK businesses only. Terms and conditions apply.

These terms and conditions explain how you are allowed to use this site and the operation of this site by Hiscox Underwriting Ltd, Hiscox Insurance Company Ltd and Hiscox Syndicates Ltd (“Hiscox”).

By accessing any part of this site you will be deemed to have accepted these terms and conditions in full. As this website enables you to transact business with us, the terms and conditions may be different to those on other Hiscox websites. Please take time to review these terms and conditions carefully.

  • All copyright and other intellectual property rights in any material (including text, photographs and other images and sound) contained in this website is either owned by Hiscox or has been licensed to Hiscox by the rights owner(s). You are only allowed to use this website and the material contained in the website as set out below. If you wish to do anything else with any of the material you must get the written permission of the rights owner. If you need any assistance email us at [email protected].

  • This website contains trademarks, including the Hiscox name and logo. All trademarks included on this website belong to Hiscox or have been licensed to Hiscox by the trademark owner(s) for use on this website. You are not allowed to copy or use any of these trademarks in any way except as set out below. If you wish to do anything else with any of the trademarks you must obtain the written permission of the trademark owner. If you need any assistance email us at [email protected].

    What you are allowed to do

  • You may access any part of the website to which access is open to all users.

  • Access to some parts of the website is only possible by password, for example to retrieve an insurance quote. You may only access these parts of the website if you have a valid password.

  • You may print off one copy only of any individual page for your own personal use, as long as you do not do any of the things set out under “What you are not allowed to do”; unless it is explicitly designed for that purpose.

    What you are not allowed to do

  • Any purchase of any insurance product(s) available through this website will be subject to these terms and conditions and the relevant policy terms and conditions.

  • You are responsible for deciding whether any of our products or services are suitable for your purposes. Please read the relevant policy terms and conditions carefully before buying any insurance policy. If you need any advice before buying any insurance policy please contact an independent financial adviser or insurance adviser.

  • This website includes links to external websites. It also includes email links to a number of suppliers of services and/or products. These links will help you find relevant services and/or products quickly and easily. You are responsible for deciding whether any of these services and/or products are suitable for your purposes. Hiscox is not responsible for the suppliers of these services and/or products or the goods or services they supply or for their website content and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these.

  • All data information text images and layout are the exclusive property of Hiscox and must not be e-mailed, networked, shared, republished, reproduced, transferred or copied (other than for reasonable personal professional use e.g. audit trails or backups). All copyright intellectual and other property rights shall continue to be held by Hiscox and no rights of any kind shall pass. Any attempt to damage the site or act in contravention of these Terms and Conditions may give rise to legal redress and Hiscox Insurance Company Limited reserves the right to seek damages from such perpetrator.

    Changes to terms and conditions and disclaimer

  • Hiscox may change the terms and conditions and disclaimer set out above from time to time. By browsing this website you accept the current terms and conditions and disclaimer. You should check these each time you revisit the site.

    Changes to/operation of website

  • Hiscox may change the format and content of this website (or of any insurance products or services offered via this website) at any time.

  • Hiscox may suspend the operation of this website (or suspend provision of any insurance products or services offered via this website) for support or maintenance work, for content updates or for any other reason.

  • Hiscox reserves the right to stop access to this website (and to products and services offered via the website) at any time and without notice.

    Data protection

  • We will only use your personal details in line with our privacy policy. Please read this carefully before proceeding. By providing your personal details to us you are consenting to its use in accordance with our privacy policy.

    Purchase of products available through this site

  • Hiscox Underwriting Ltd is registered in England no. 02372789, at 1 Great St. Helen's, London, EC3A 6HX Hiscox Insurance Company Limited is registered in England no. 70234, at 1 Great St. Helen's, London, EC3A 6HX.

  • All quotations given through this website which are specifically described as ‘indicative quotes’ are intended as an indication only of your likely premium based on the limited information provided. They are not binding quotations. The premium quoted may vary once your full details have been submitted.

  • All statements made by you or information given by you to Hiscox are your responsibility. If you fail to disclose any relevant information or provide any inaccurate information, this may invalidate your insurance policy.

  • Once you have submitted a proposal for insurance via this website, the proposal will not be accepted (and you will not be insured) until you receive confirmation from Hiscox. This confirmation may be through the website or by email, telephone or post.

  • The decision as to whether to offer you insurance cover is at Hiscox's discretion and we are not bound to do so. In assessing whether or not to offer insurance cover in response to proposals submitted via this website, Hiscox will not refuse the proposal only because of automatically processed personal data. If the proposal is rejected by any automated decision making process, then the proposal is referred to people employed by, or on behalf of Hiscox.

  • The above referral process does not apply where a proposal is automatically refused because the type of cover requested is not offered by Hiscox through our website, for example where the level of cover requested is above the maximum level of cover available through this website. It is based on the restrictions set for the insurance products available through this website, however, this type of automatic refusal is not based solely on automatically processed personal data.

  • You may cancel your insurance in accordance with the relevant policy terms and conditions.

  • Once insurance has been effected by Hiscox (including any insurance effected following an update of an existing policy), Hiscox will promptly confirm with you that this is the case. Hiscox will also advise you of the relevant insurance premium and any fees or charges which are payable separately.

  • Hiscox will also provide you with a copy of the policy schedule.

  • Hiscox will notify you in writing of any changes to the terms and conditions of your insurance policy and will give reasonable notice for any changes which are due to commence.

  • You should keep a copy of all information sent to or received from us for your records.

  • Hiscox will try to reply promptly to all correspondence. We may reply by email or in writing.

    How we handle complaints

    If you have a question or complaint, you can contact us in one of the following ways:

    In writing

    Hiscox Customer Relations
    The Hiscox Building
    Peasholme Green
    York Y01 7PR

    By phone: 0808 3014 597

    By email: [email protected]

    We will try to resolve your complaint straight away. However, if it requires a more in-depth investigation, then we will aim to give you our final response within eight weeks. If for whatever reason this is not possible, we will contact you to explain the reasons why and let you know how long our investigations are likely to take.

    If you have bought your insurance online, you can also register your complaint with the Online Dispute Resolution (external link) website, which has been set up by the European Commission.


  • This website is for UK residence and businesses only.

  • These terms and conditions are governed by and are to be interpreted in accordance with English law and in the event of any dispute arising in relation to these terms and conditions the English courts will have non-exclusive jurisdiction over such dispute.