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What Does Professional Liability (E&O) Insurance from Hiscox Cover?

Hiscox sells professional liability (E&O) insurance online to small businesses in 49 states and Washington, D.C.

Hiscox Professional Liability Insurance · Updated 2026-09-23

What Is Hiscox’s Role in Professional Liability (E&O) Insurance?

Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. ^1,³
Company-reported.Company-stated online small-business channel.

Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW professional-liability policies. ^3,⁴
Company-reported.Admitted small-business professional liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote.

Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. ^1,⁴
Company-reported.Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant.

Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. ²
Company-reported.Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy.

The professional-liability pages reviewed do not publish standard limit, retention or deductible amounts; specific figures are shown only on a quote. ^1,²
Not publicly disclosed.Public product and FAQ pages as previously reviewed.

Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. ¹
Company-reported.Company-described online application; eligibility and binding conditions require confirmation on the actual application.

A professional-liability FAQ tells current customers that the claims phone line is open 24 hours a day, 7 days a week, separate from the general claims-center hours listed elsewhere on the Hiscox site. ²
Company-reported.Company-described claims-reporting availability for this product's FAQ; does not establish claim outcomes or turnaround time.

Professional Liability Insurance for Small Businesses. Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
What is Professional Liability Insurance? Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent. Accessed 2026-09-16.
Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; technology classes including IT consultants and software development. Accessed 2026-09-16.