Hiscox USA has launched a new direct and online insurance cover for small businesses in the US.

Designed specifically for the small-office/home-office market, Hiscox Small Business Insurance is aimed at businesses with 10 employees or less in knowledge-based professions including IT, management and business consulting and marketing.

According to the Hiscox USA, professional liability coverage starts from $22.50 a month.

The new online offering is available in 21 states and the District of Columbia, and backed by licensed advisors based at the Hiscox Small Business Insurance Customer Service Center in Virginia.

The available products include: professional liability insurance (E&O); general liability insurance (CGL) and workers’ compensation insurance, through Employers.

The insurer said that the business owners policy (BOP) will also be available by the end of the year. This policy combines general liability with business property coverage, for example buildings, office contents and loss of electronic data.