--- title: "Hiscox Professional Liability (E&O) Insurance" description: "Hiscox sells professional liability (E&O) insurance online to small businesses in 49 states and Washington, D.C." canonical: "https://thegeneralaverage.com/insurance-providers/hiscox/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" provider: "hiscox" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/hiscox/professional-errors-omissions) ## Agent Guide **What this page is:** What Hiscox Professional Liability (E&O) Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Hiscox Professional Liability (E&O) Insurance specifically. For the general coverage explainer use /coverage/professional-errors-omissions; for the provider overall use its profile. **Questions this page answers:** - Does Hiscox Professional Liability (E&O) Insurance offer this coverage? - What does Hiscox Professional Liability (E&O) Insurance cover and exclude? - Who is Hiscox Professional Liability (E&O) Insurance designed for? **Key facts:** - Provider slug `hiscox`; coverage line `professional-errors-omissions`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/hiscox) — parent: provider profile # What Does Professional Liability (E&O) Insurance from Hiscox Cover? Product: Hiscox Professional Liability Insurance. Provider: Hiscox. Coverage line: Professional Liability (E&O) Insurance. ## Quick Answer Hiscox sells professional liability (E&O) insurance online to small businesses in 49 states and Washington, D.C. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") ## Hiscox Professional Liability (E&O) Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Not publicly disclosed | 1 | | How to Apply | Company-reported | 1 | | Claims Support | Company-reported | 1 | ## 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](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Company-stated online small-business channel.) ## Who Issues Hiscox Professional Liability (E&O) Insurance? - 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](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: 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.) ## Who Is Hiscox Professional Liability (E&O) Insurance For? - 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](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: 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.) ## Coverage Features of Hiscox Professional Liability (E&O) Insurance - 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](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy.) ## How Do You Apply for Hiscox Professional Liability (E&O) Insurance? - 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](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application.) ## How Does Hiscox Handle Professional Liability (E&O) Insurance Claims? - 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](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Company-described claims-reporting availability for this product's FAQ; does not establish claim outcomes or turnaround time.) ## What We Couldn’t Find About Hiscox Professional Liability (E&O) The reviewed sources do not settle these. Confirm them with Hiscox or a broker before relying on them. - **Limits and Retentions (Not publicly disclosed):** The professional-liability pages reviewed do not publish standard limit, retention or deductible amounts; specific figures are shown only on a quote. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Scope: Public product and FAQ pages as previously reviewed.) ## Hiscox vs Other Professional Liability (E&O) Insurance Providers - [Hiscox vs AIG](https://thegeneralaverage.com/compare/aig-vs-hiscox) - [Hiscox vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-hiscox) - [Hiscox vs Aon](https://thegeneralaverage.com/compare/aon-vs-hiscox) - [Hiscox vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-hiscox) - [Hiscox vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-hiscox) - [Hiscox vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-hiscox) ## Other Coverage Lines From Hiscox - [Hiscox Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/hiscox/business-owners-policy) - [Hiscox Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/cyber) - [Hiscox General Liability Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/general-liability) - [Hiscox Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/workers-compensation) ## Related Reading - [Hiscox Profile](https://thegeneralaverage.com/insurance-providers/hiscox) - [Hiscox Reliability](https://thegeneralaverage.com/insurance-providers/hiscox/reliability) - [Hiscox Alternatives](https://thegeneralaverage.com/insurance-providers/hiscox/alternatives) - [Coverage Guide: Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) ## Sources for Hiscox Professional Liability (E&O) Insurance 1. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). 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. 2. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq) Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16. 3. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. 4. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). 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. ## How to Cite This Page Hiscox Professional Liability (E&O) Insurance: Coverage, Eligibility, Claims & More (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/hiscox/professional-errors-omissions. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/hiscox/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)