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Specialist insurance business Hiscox Insurance, the American branch in particular, has roots going as far as 1901 that specifically cover insurance for small businesses. For those of you with small businesses, Hiscox offers general liability, professional liability (errors and omissions), business owners, workers company, cyber security and more. Some of these range from $22.50 monthly to $41.67 monthly as example quotes. If some of you are concerned with the quality of insurance, Hiscox Insurance received an A rating from A.M. Best and has capital reserves of roughly $2 billion or even higher than that. All 50 states are covered and beauty, contracting, health, marketing, IT/Technology and landscaping are only a few of the small businesses that are covered.