Appetite Guide

Select an industry from the menu below to view available products, professions and revenue/coverage limits:

Product Overview | Architects & Engineers | Artisan Contractors | Consulting | Creative & Design | Financial | Health, Beauty, Fitness | Janitorial | Landscaping | Legal | Marketing & PR | Misc Business Services | Real Estate | Retail | Technology

ARCHITECTURE & ENGINEERING
Available Products: PL & GL* | Revenue Limits: $500K | Coverage/Liability Limits: $3M | State Exclusions: No PL in VA, VT
✓	Architecture	✓	Engineering design services
✓	Building/construction inspection	✓	Environmental engineering
✓	Civil engineering	✓	Industrial engineering
✓	Control systems integration/automation	✓	Landscape architect
✓	Draftsman (including CAD/CAM)	✓	Process engineering
✓	Electrical engineering	✓	Project manager (architecture or engineering)
✓	Engineering	✓	Transportation engineering
ARTISAN CONTRACTORS
Available Products: GL* | GL Revenue Limit: $500K | Coverage/Liability Limits: $2M | State Exclusions: NY
✓	Appliance and accessories installation and repair	✓	Interior finishing work
✓	Carpet, rug, furniture, or upholstery cleaning (customer’s premises only)	✓	Locksmiths
✓	Clock making and repair	✓	Masonry work
✓	Door or window installation and repair	✓	Plastering or stucco work
✓	Driveway or sidewalk paving/repaving	✓	Plumbing (commercial and residential)
✓	Drywall or wallboard installation and repair	✓	Sign painting and lettering (interior and exterior)
✓	Fence installation and repair	✓	Upholstery work
✓	Glass installation and repair (no auto work)	✓	Window cleaning (nothing above 15 feet)
CONSULTING
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Business consulting	✓	Marketing consulting
✓	Education consulting	✓	Research consulting
✓	Human Resources (HR) consulting	✓	Resume consulting
✓	IT consulting	✓	Strategy consulting
✓	Management consulting	✓	Other consulting services
CREATIVE & DESIGN
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Graphic design	✓	Photography; Client videography
✓	Photo booths	✓	Visual effect designer for films/videos
Available Products: PL & GL* | PL/GL Revenue Limit: $5M | Coverage/Liability Limits: $5M | State Exclusions: No PL in VA, VT
✓	Interior design	✓	Professional organizer
FINANCIAL SERVICES
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Accounting (PL Revenue Limit: $1M | PL Coverage/Liability Limit: $3M)	✓	Medical billing (No PL in NY)
✓	Bookkeeping	✓	Tax preparation
Available Products: GL, BOP* | GL Revenue Limit: $5M | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Actuarial services	✓	Mortgage brokering/banking
Available Products: GL* | GL Revenue Limit: $5M | Coverage/Liability Limit: $5M
✓	Financial auditing or consulting	✓	Stock brokering
✓	Investment advice
Available Products: PL* | PL Revenue Limit: $1M | Coverage/Liability Limit: $3M
✓	Insurance agent services
HEALTH, BEAUTY & FITNESS
Available Products: PL & GL* | PL/GL Revenue Limit: $5M | Coverage/Liability Limits: $5M (PL Cap $1M in IL)
✓	Acupressure services (No coverage in NV)	✓	Massage therapy
✓	Acupuncture services (No coverage in NV)	✓	Mental health counseling
✓	Art therapy	✓	Music therapy
✓	Audiology (No PL in NV)	✓	Nail technician services
✓	Barber/hair stylist services	✓	Occupational therapy
✓	Beautician/cosmetology services	✓	Personal training (health & fitness)
✓	Dance therapy	✓	Psychology
✓	Diet/nutrition services	✓	Pilates instruction
✓	Drama therapy	✓	Small salon owner
✓	Esthetician services	✓	Social work services
✓	First aid and CPR training	✓	Speech therapy (No coverage in NV)
✓	Hypnosis	✓	Substance abuse counseling
✓	Marriage and family therapy	✓	Yoga instruction
JANITORIAL SERVICES
Available Products: GL* | GL Payroll Limit: $500K | Coverage/Liability Limit: $2M
✓	Dryer vent cleaning	✓	Residential cleaning services (interior and exterior)
✓	Janitorial/cleaning services	✓	Small commercial office cleaning (interior only)
LANDSCAPING SERVICES
Available Products: GL* | GL Payroll Limit: $500K | Coverage/Liability Limit: $2M
✓	Gutter or chimney cleaning	✓	Lawn care services (residential and commercial)
✓	Landscaping/gardening services (residential and commercial)	✓	Snow blowing and removal (no auto coverage)
LEGAL SERVICES
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Claims adjusting (No PL in NY)	✓	Expert witness services
✓	Court reporting	✓	Notary services (No PL in CA)
✓	Document preparation	✓	Process server
Available Products: GL, BOP* | GL Square Footage Cap: 35K | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Legal services	✓	Trustee services
MARKETING & PUBLIC RELATIONS
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Advertising	✓	Marketing/media consulting
✓	Brand consultant	✓	Public relations
✓	Digital marketing	✓	Search engine services (SEO/SEM)
✓	Direct marketing	✓	Social media consultant
✓	Market research	✓	Other marketing/PR services
MISCELLANEOUS BUSINESS SERVICES
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Answering/paging services	✓	Project management
✓	Auctioneering	✓	Recruiting (employment placements)
✓	Business manager services	✓	Talent agency
✓	Event planning/promotion	✓	Training (business, vocational or life skills)
✓	Executive placement	✓	Translating/interpreting
✓	Life/career/executive coaching	✓	Travel agency
✓	Personal concierge/assistant	✓	Tutoring
REAL ESTATE
Available Products: PL & GL* | PL/GL Revenue Limit: $5M ($500K in CA) | Coverage/Liability Limits: $5M ($3M in CA, $1M in NY) | State Exclusions: No PL in CO, IA, ID, KY, LA, MS, ND, NE, NM, RI, SD, TN, WY
✓	Property management	✓	Real estate agent/broker (GL Payroll Limit: $3M | No PL in VT)
RETAIL
Available Products: GL* | GL Revenue Limit: $3M | Coverage/Liability Limit: $2M
✓	Appliance stores	✓	Home furnishing stores
✓	Clothing apparel stores	✓	Jewelry stores
✓	Electronic stores	✓	Other stores (no food/drink)
✓	Florists	✓	Other stores (with food/drinks)
TECHNOLOGY
Available Products: PL, GL, BOP* | PL/GL Revenue Limit: $5M | BOP Revenue Limit: $3M | Coverage/Liability Limits: $5M
✓	Application development: smartphone/mobile/tablet (PL Cap $1M)	✓	IT consulting
✓	Application service provider	✓	IT project management
✓	Computer consultant	✓	IT software/hardware training services
✓	Computer programming services	✓	Internet hosting services
✓	Computer system/network developer	✓	Software development
✓	Custom software programmer/developer	✓	Technology services
✓	Data processing	✓	Value added reseller of computer hardware
✓	Database designer	✓	Website design
✓	Game developer	✓	Other technology services

Product Overview

Hiscox specializes in offering tailored admitted coverage for small businesses. Get instant coverage online or by phone.

	Professional Liability	General Liability	Business Owners Policy
What are the revenue limits?	Up to $5 million	Up to $5 million	Up to $3 million
What are the coverage limits?	$2 million aggregate available online Up to $5 million aggregate upon submission to Hiscox	$2 million aggregate available online Up to $5 million aggregate limit upon submission to Hiscox	$2 million aggregate available online Up to $4 million aggregate upon submission to Hiscox
Admitted product?	Yes	Yes	Yes
ISO based form?	No	Yes	Yes
Are defense costs included within limit?	Yes	No	No
Deductible	Various options ranging from $0-$10,000	No deductible	Various options ranging from $500-$10,000
What is covered?	Work completed by employees	Includes actions of employees and temporary staff	Combines general liability coverage with coverage for business assets
Minimum premium	$270	$350	$500
Monthly cost?	Starts from $22.50/mo.	Starts from $29.17/mo.	Starts from $41.67/mo.
Auto pay by credit card monthly?	Yes	Yes	Yes
What discounts are available (subject to minimum premium rules)?	5% multi-policy discount	5% multi-policy discount Up to 5% discount for work-from-home businesses	5% multi-policy discount Up to 5% discount for work-from-home businesses
Additional features	$200,000 software copyright infringement coverage added for most software businesses Full retro-coverage for unknown claims from previous work for most classes of business	Available as a stand-alone Damage to premises rented ($100,000) Personal injury included for all classes of business (COBs) except direct marketing, public relations, graphic designers, real estate agents, legal services, recruiting, marketing and research consulting Optional business equipment coverage up to $25,000 for most COBs	Up to $100,000 in coverage for business contents, up to $500,000 in coverage for buildings Interruption of computer operations and loss of electronic data both covered up to $10,000 Crime, data liability, and HNOA upgrades available Damage to premises rented ($50,000)
Availability	All states except: AK	All states except: AK	All states except: AK, AL, AR, DE, FL, HI, ID, IA, KS, KY, LA, ME, MS, MT, NE, ND, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WA, WV, WY

* PL & GL: Available in all states except AK

* BOP: Not available in AK, AL, AR, DE, FL, HI, ID, IA, KS, KY, LA, ME, MS, MT, NE, ND, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WA, WV, WY

Underwritten by Hiscox Insurance Company Inc., a Chicago-based insurance company.