Switch from Hiscox
Spot reads your Hiscox professional liability and general liability side by side, then takes the same program to market with your claims-made dates intact.
Include each policy that came after an online ZIP-code quote and the certificates Hiscox emailed. Your Spot team notes the producer and the insurer named on every declarations page.
For professional liability, your Spot team records the retroactive date, reporting window and exclusions for technology, intellectual property or data events. Replacement proposals are measured against those, not just against price.
General liability insurance
Juniper Consulting · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
Spot prepares one submission covering professional, general liability, cyber and any workers’ compensation, then works with brokers to approach insurers that write them. Follow-up questions arrive in your Slack channel.
# spot-support
SamJuniper Consulting
RileySpot
You compare proposals line by line. Your Spot team helps you bind the one you choose, and checks that prior-acts dates carry over before the Hiscox policy ends.
SamJuniper Consulting
Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
Hiscox sells general liability, professional liability, cyber and business owner’s policies to small businesses, with a stated focus on small professional and service businesses such as IT and consulting firms. Eligible businesses can quote online by entering a ZIP code, and some products are issued by partner insurers. Workers’ compensation is available through a partner and requires a general liability policy.
A consulting or IT firm that adds staff, clients or software products may need limits or wording its first policy didn’t anticipate.
Client agreements often name specific limits, additional insured wording or cyber requirements, and a policy can be adjusted or replaced to meet them.
A new premium or changed terms at renewal is a fair prompt to see what the market would write for the same exposures.
When general liability, professional liability, cyber and workers’ compensation are separate, someone has to track all the dates.
If your workers’ compensation was added through a partner and needs general liability behind it, ending one can affect the other. Map that before you act.
Ask your Spot team to confirm the retroactive date on any replacement professional liability policy. A later date could leave earlier work uncovered.
Wait for written confirmation that each replacement is bound and when it starts. Only then end the matching Hiscox policy.
Check the policy documents for how to cancel and who handles it, since some Hiscox products are issued through partners with their own contacts.
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesBuy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.
Get quotesBuy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.
Get quotesBuy a business owner’s policy with Spot: a prepared submission, packages compared on property, liability and income terms, and certificates ready when asked.
Get quotesWorkers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesSpot reads your Hiscox professional liability and general liability side by side, then takes the same program to market with your claims-made dates intact.
Get StartedRead these before you choose a policy or an insurer.
