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April 25, 2024

Coverage Highlights on Hiscox Commercial General Liability

We summarize some coverage highlights for HIscox Commercial General Liability

At Attune, we aim to be your one-stop shop for all your insurance requirements. However, if you find that our Businessowner's Policy (BOP) doesn't quite fit your specific risk profile, don't worry – we have an excellent alternative for you: Hiscox General Liability coverage.

General Liability insurance, also known as commercial general liability (CGL), protects your clients' businesses from another person or business’s claims of bodily injury, associated medical costs, and damage to their property.

Hiscox stands out as a great option for several reasons:

  1. Automatic Blanket AI: Included at no extra charge, Hiscox provides Automatic Blanket AI coverage, ensuring that you're protected against a wide range of risks without any additional hassle.
  2. Work-from-Home Discount: In recognition of the changing work landscape, Hiscox offers a 10% discount for businesses operating from home, making it an attractive choice for modern entrepreneurs.
  3. No Deductible for Most Industries: Hiscox understands that every dollar counts for businesses, which is why they offer no deductible for most industries, providing financial peace of mind when it's needed most.

Moreover, Hiscox General Liability coverage allows you to tailor your client's insurance to suit their specific needs. You have the flexibility to add the following options:

  • BPP Coverage: Customize coverage with Business Personal Property (BPP) coverage in increments of $5,000, up to $25,000, ensuring that your clients valuable assets are protected.
  • Primary and Noncontributory Coverage: Enjoy the benefits of primary coverage without the hassle of contribution from other insurance policies.
  • Hired Non-Owned Auto Coverage: Cover vehicles used for business purposes that are neither owned nor leased by your clients company.
  • Waiver of Subrogation: Protect your client's relationships by waiving the insurer's right to seek reimbursement from a third party in case of a claim.

Here are some of the hot classes covered by Hiscox:

For Contractors:

  • Plumbing
  • Landscaping
  • Janitorial/Cleaning Services
  • Handyperson
  • Carpentry

For Retailers:

  • Appliance/Electronic Stores
  • Jewelry Stores
  • Clothing/Apparel Stores
  • Florists
  • Home Furnishing Stores

For Food Vendors:

  • Ice Cream/Snow Cone/Shaved Ice Cart Operator
  • Barbecue Truck/Trailer Operator
  • Lemonade Cart Operator
  • Coffee/Donut Cart Operator
  • Mobile Food Concessions
  • Food Truck/Trailer Operator
  • Mobile Kitchen Operator
  • Food/Beverage Cart Operator
  • Mobile Street Food Vending Services
  • Hot Dog Cart Operator
  • Ice Cream Truck Operator
  • Snack Truck Operator

Whether your client is a contractor, retailer, or food vendor, Hiscox General Liability coverage offers tailored solutions to meet your clients' unique needs.