Business insurance FAQ


How can we help?

Business insurance is designed to protect SMEs from the risks faced in day-to-day operations. This includes cover for the risks associated with working with clients, customers and employees, as well as cyber security and business property.

Got a question about commercial insurance? You may be able to find the answer in our frequently asked questions below. Alternatively, please don’t hesitate to contact us.

Questions about business insurance:


What is business insurance?

What business insurance do I need?

How much does business insurance cost?

Coronavirus FAQs

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Public Liability Insurance FAQs

Public liability insurance is a type of business insurance designed to cover you if a member of the public claims they have suffered bodily injury, or their property has been damaged, as a result of the work your business does. These claims can be made by customers, clients or passers-by.

If you have a question, take a look at our public liability FAQs for answers to the most common queries.

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Professional Indemnity Insurance FAQs

Professional Indemnity Insurance protects you against claims made by a client for an alleged professional error, breach of information or advice that led to a financial loss. It can offer financial and reputational support in handling the claim, so you can keep your business running smoothly.

If you have a question, take a look at our professional indemnity FAQs for answers to the most common queries.

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Employers’ Liability Insurance FAQs

Employers’ Liability Insurance is a type of commercial cover protecting businesses against claims made by an employee for bodily injury or illness caused by the work they’re employed to do. It is a legal requirement for most UK businesses that employ one or more employees.

If you have a question, take a look at our employers liability FAQs for answers to the most common queries.

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Cyber and Data Insurance FAQs

Any business that uses the internet in some way, shape or form, can fall victim to a cyberattack. Cyber and Data Insurance is designed to protect your business against cybercrime, such as fraud, data theft and data breach, by offering financial, technical and reputational support.

If you have a question, take a look at our cyber and data FAQs for answers to the most common queries.

Your Questions


Business Insurance Terms Glossary

You can more information on the policies offered by Hiscox on our business insurance page. Here, you'll also be able to apply for a tailored business insurance quote and details of the best policy for your SME. If you aren't clear, our UK experts will be able to guide you through the insurance purchase process and help identify your unique business needs.