Key Features
Flexible cover you can tailor to your client's needs. Select from the following covers:
- Property Buildings and Contents – will protect your client’s property on an all risks basis
- Business Interruption – covers financial losses resulting from an interruption to business activities, not just valid claims under the property sector
- Employers’ Liability – will protect a business from employees who sustain injury whilst in their employment
- Public and Product Liability – covers a business from claims resulting from third party injury or property damage as a result of their business activities
- Personal Accident – cover for all employees or specified employees. Can be purchased standalone or with an existing policy
- Geographic – tailor your clients coverage based on their location, with UK, Europe and worldwide coverage available
- Money – included as standard for any client that has a property contents or property away policy and are in transit
- Equipment Breakdown – covering mechanical, electrical and computer equipment, with specific coverage details for each type of equipment
Our sectors - what we cover
Technology
Core appetite (Risks we love): Software risks
Broader appetite (Risks we like): Hardware installation
Edge of appetite (Risks we'll try our best to find a way): Hardware manufacturing, technology controlling automotive, aerospace, marine or nuclear systems
Key features
- Contents includes cover for reconstituting electronic data which has been lost or destroyed
- Contents includes cover for the modification to replacement computers, or the conversion of existing software, so that they remain compatible with each other following damage
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Property away includes cover for continuing hire charges while a damaged item is being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by damage to property at the premises of any customer, client or supplier of the insured’s in the UK
- Public and products liability includes cover for the failure of the insured’s technology products, other than programs or automated systems, to perform their intended function
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover is available to customers who buy any other cover
Find out more
Marketing, Media & Creative
Core appetite (Risks we love): Marketing, publishing, communications
Broader appetite (Risks we like): Photography, film & sound production
Edge of appetite (Risks we'll try our best to find a way): Broadcaster, Equipment hires
Key features
- Additional covers included in this sector: coverage for reshoot and recompilation costs if their film stock is damaged, allowing them to reshoot or recompile from a digital backup
- Contents includes cover for reconstituting electronic data which has been lost or destroyed
- Contents includes cover for items temporarily elsewhere while at employees’ homes, event or exhibition sites and cleaners’ or repairers’ premises in the UK, including while in transit
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Property away includes cover for continuing hire charges while a damaged item is being repaired or replaced.
- Property away includes cover for the cost of re-shooting or recompiling film footage where the original film stock has been lost damaged or destroyed
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by the insured premises being inaccessible for more than 24 hours due to an incident within a one-mile radius
- Public and products liability includes cover for an employee’s failure to secure a third-party’s premises or loss of a third-party’s key or pass card to their premises
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Advertising Agents Indemnity, Commercial Producers Indemnity, Advertisers Wrap Indemnity, Celebrity Death & Disgrace Indemnity – available for Advertising Agencies, Commercial Film Production companies and Advertiser clients
- TV & Film Production Package policy – available for production companies making TV and Film content
- TV & Film Producers E & O policy (both production-specific and annual) – available for production companies making TV and Film content
- Personal accident available for all employees where we write Casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any Property cover
- Legal protection cover is available to customers who buy any other cover
Events & Event Organisers
We love businesses and individuals who organise events as well as insuring the event themselves, for example wedding venues or the wedding organiser
Core appetite (Risks we love): Conference and exhibition organisers
Broad appetite (Risks we like): Wedding and event organisers
Edge of appetite (Risks we'll try our best to find a way): Fetes and festival organisers
Key features
- Contents includes cover for reconstituting documents which have been lost or destroyed
- Contents includes cover for items temporarily elsewhere while at employees’ homes, event or exhibition sites and cleaners’ or repairers’ premises in the UK, including while in transit
- Property away includes cover for continuing hire charges while a damaged item is being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by damage to property at the premises of any customer, client or supplier of the insured’s in the UK
- Public and products liability includes cover for an employee’s failure to secure a third-party’s premises or loss of a third-party’s key or pass card to their premises
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover is available to customers who buy any other cover
Health, Beauty & Wellbeing
We have broad appetite in the Health, Beauty & Wellbeing space, with the capability to insure businesses of all sizes.
Core appetite (Risks we love): Talking professionals, Beauty & aesthetics, Private ambulance, Occupational health, Recruitment.
Broad appetite (Risks we like): Scanning risks
Edge of appetite (Risks we'll try our best to find a way): Surgery risks, machinery risks, High accidental damage exposure such as aesthetics
Key features
- Contents includes cover for reconstituting documents and electronic data which have been lost or destroyed
- Contents includes cover for items temporarily elsewhere while at employees’ homes, event or exhibition sites and cleaners’ or repairers’ premises in the UK, including while in transit
- Contents includes cover for the insured’s direct financial loss arising from dishonesty of their employees which is discovered during the period of insurance
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by the insured premises being inaccessible for more than 24 hours due to an incident within a one-mile radius
- Public and products liability includes cover for an employee’s failure to secure a third-party’s premises or loss of a third-party’s key or pass card to their premises
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover: available to customers who buy any other cover
Sports & Leisure
We have a very broad appetite for UK Leisure venues, including art galleries, cinemas, museum & theatres.
Core appetite (Risks we love): Exhibition and event venues
Broader appetite (Risks we like): Performing arts and cultural venues
Edge of appetite (Risks we'll try our best to find a way): Sport and fitness venues
Key features
- Buildings includes cover for the loss of feed-in tariff and export tariff in relation to damaged solar panels or other renewable energy generating equipment insured under the section.
- Buildings includes cover for works in progress and site materials during the course of buildings works at the premises
- Buildings includes cover for the cost of removing waste and rubbish which has been illegally deposited at the premises
- Contents includes cover for items temporarily elsewhere while at employees’ homes, event or exhibition sites and cleaners’ or repairers’ premises in the UK, including while in transit
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by the insured premises being inaccessible for more than 24 hours due to an incident within a one-mile radius
- Business interruption includes cover for accidental failure of safety curtains, emergency lighting or fire alarm systems
- Business interruption includes cover for the suspension, withdrawal or refusal to renew the premises licence
- Public and products liability includes cover for financial loss and compensation arising from defamation or breach of intellectual property rights
- Public & products liability provides indemnity to the hirer of any venue
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover: available to customers who buy any other cover
Training & Tutors
We love teaching and training risks including specialist, further and higher education institutions that sit outside of mainstream primary and secondary education.
Core appetite (Risks we love): Adult education and test centres
Broader appetite (Risks we like): IT and computer training
Edge of appetite (Risks we'll try our best to find a way): Music and drama schools
Key features
- Buildings includes cover for the loss of feed-in tariff and export tariff in relation to damaged solar panels or other renewable energy generating equipment insured under the section
- Contents includes cover for reconstituting documents which have been lost or destroyed
- Contents includes cover for the modification to replacement computers, or the conversion of existing software, so that they remain compatible with each other following damage
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by the insured premises being inaccessible for more than 24 hours due to an incident within a one-mile radius
- Public and products liability includes cover for compensation arising from defamation or breach of intellectual property rights
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover: available to customers who buy any other cover
Consultancy & Professional Services
We love insuring office-based professionals and consultancies. We have particularly strong appetite where insurance requirements are dictated by clients' contracts (rather than stipulated by a professional body).
- Core appetite (Risks we love): Accountancy, legal and financial services
- Broader appetite (Risks we like): Consultancy, public relations, and design
- Edge of appetite (Risks we'll try our best to find a way): Certain surveyors and recruiters
Key features
- Contents includes cover for reconstituting documents and electronic data which have been lost or destroyed
- Contents includes cover for items temporarily elsewhere while at employees’ homes, event or exhibition sites and cleaners’ or repairers’ premises in the UK, including while in transit
- Contents includes cover for the insured’s direct financial loss arising from dishonesty of their employees which is discovered during the period of insurance
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by the insured premises being inaccessible for more than 24 hours due to an incident within a one-mile radius
- Public and products liability includes cover for an employee’s failure to secure a third-party’s premises or loss of a third-party’s key or pass card to their premises
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover: available to customers who buy any other cover
Charity, Not for Profit & Public Sector
We have a very broad appetite for UK not-for-profit organisations, including charities involved with conservation, culture, equality, or wellbeing.
- Core appetite (Risks we love): Cultural, conservation and environmental charities
- Broader appetite (Risks we like): Equality, wellbeing, and mental charities
- Edge of appetite (Risks we'll try our best to find a way): Certain international relief, poverty, and famine charities
Key features
- Buildings includes cover for works in progress and site materials during the course of buildings works at the premises
- Buildings & Contents include cover for property bequeathed to a charity during the period of insurance
- Contents includes cover for reconstituting documents and electronic data which have been lost or destroyed
- Contents includes cover for items temporarily elsewhere while at employees’ homes, event or exhibition sites and cleaners’ or repairers’ premises in the UK, including while in transit
- Contents includes cover for the insured’s direct financial loss arising from dishonesty of their employees which is discovered during the period of insurance
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by the insured premises being inaccessible for more than 24 hours due to an incident within a one-mile radius
- Public and products liability includes cover for compensation arising from defamation or breach of intellectual property rights
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover: available to customers who buy any other cover
Specialist & Independent Retail
We have a very broad appetite for UK retailers, such as those selling clothing, electrical goods or items for the home or garden. This includes shops as well as online retailers.
- Core appetite (Risks we love): Homeware, DIY and garden retailers
- Broader appetite (Risks we like): Sports, clothing and beauty retailers
- Edge of appetite (Risks we'll try our best to find a way): Cycle stores and certain electrical elements
Key features
- Buildings includes cover for works in progress and site materials during the course of buildings works at the premises
- Contents includes cover for stock on display outside the premises and while on loan to to customers or prospective customers
- Contents includes cover for items temporarily elsewhere while at employees’ homes, event or exhibition sites and cleaners’ or repairers’ premises in the UK, including while in transit
- Contents includes cover for the insured’s direct financial loss arising from dishonesty of their employees which is discovered during the period of insurance
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by the insured premises being inaccessible for more than 24 hours due to an incident within a one-mile radius
- Business interruption includes cover for interruptions caused by damage to property at the premises of any customer, client or supplier of the insured’s in the UK
- Public and products liability includes cover for compensation arising from defamation or breach of intellectual property rights
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover: available to customers who buy any other cover
Trades, Construction & Engineering
We love customers who focus on second fit activities, including interior design, refurbishments, commercial fit outs and building services. We consider customers of all sizes, from tradespersons, specialist design practices or contractors and larger contingent building firms.
We have scheme products that can consider public and employers' liability for customers undertaking the build work.
- Core appetite (Risks we love): Desk based professionals
- Broader appetite (Risks we like): Surveys and site visits
Key features
- Contents includes cover for reconstituting documents and electronic data which have been lost or destroyed
- Contents includes cover for items temporarily elsewhere while at employees’ homes, event or exhibition sites and cleaners’ or repairers’ premises in the UK, including while in transit
- Contents includes cover for the insured’s direct financial loss arising from dishonesty of their employees which is discovered during the period of insurance
- Property away includes cover for the costs of hiring substitute items of similar type and capacity while damaged items are being repaired or replaced
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises and computers anywhere in the UK
- Business interruption includes cover for interruptions caused by the insured premises being inaccessible for more than 24 hours due to an incident within a one-mile radius
- Public and products liability includes cover for an employee’s failure to secure a third-party’s premises or loss of a third-party’s key or pass card to their premises
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover: available to customers who buy any other cover
Property Owners & Management
We love owners of and management service providers for, buildings with commercial tenants that include offices, high street retail & retail parks, business parks, purpose built student accommodation, care homes, media production and film studios, education, culture, leisure & event venues.
- Core appetite (Risks we love): Property owners, Property management, Maintenance and servicing
- Edge of appetite (Risks we'll try our best to find a way): Property developers
Key features
- Buildings includes cover for the loss of feed-in tariff and export tariff in relation to damaged solar panels or other renewable energy generating equipment insured under the section
- Buildings includes cover for trace and access to locate damage to cables, external pipes and drains and internal plumbing for leaks at the insured premises
- Buildings includes cover for the cost of removing waste and rubbish which has been illegally deposited at the premises
- Equipment breakdown includes cover for electrical or mechanical breakdown of equipment at the insured premises including HVAC
- Business interruption includes cover for loss of rental income, property management fees and denial of access
- Property Owners Liability includes cover for bodily injury or property damage claims made against you as owner or legally responsible landlord of an insured premises
- Employers’ liability includes cover for the costs of representation at any external investigation, inquiry or professional disciplinary proceeding which relates to a claim under the section
Additional covers available for clients in this sector:
- Personal accident available for all employees where we write casualty cover. Includes cover for:
- Commuting expenses if the insured person’s injury prevents from using their normal means of transportation.
- Retraining an insured person and making alterations to their workplace or home office following permanent disablement
- Terrorism: available to customers who buy any property cover
- Legal protection cover: available to customers who buy any other cover
Why choose Hiscox
1
Exceptional claims service We are extremely proud of the exceptional claims service we provide – we have consistently achieved a +77 Net Promotor Score across 2024, which means our customers are highly likely to recommend us.
2
Award-winning service We’ve been awarded a 5-star Defaqto rating for the past 14 years. We’re also proud holders of the Feefo Platinum Trusted Service Award.
3
Hassle-free cover
Your clients can organise interest-free payments for when it suits them, with one simple monthly payment, with no administrative fees or charges.
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