About

Hiscox is a specialty insurer focused on providing small business insurance, offering fast online quotes, customizable policies, and digital policy management tools. The company positions itself as a dedicated small business insurer that helps business owners plan for the unexpected and protect and grow their businesses with tailored coverage. Hiscox offers core coverages such as General Liability, Professional Liability (Errors & Omissions), Business Owner’s Policy (combining liability and property), and Cyber Security Insurance. It also makes additional coverages available through partnerships (e.g., Workers Compensation via The Hartford; other lines via CyberPolicy), allowing small businesses to assemble coverage based on their specific operations, risks, and contractual requirements. The company emphasizes ease of use and speed: fast quotes, instant coverage, online access to documents, and the ability to generate Certificates of Insurance (COIs/ACORD) in minutes. Claims are presented as a guided process with quick assignment to a claims specialist, and 24/7 online claim reporting is promoted for some products. Hiscox traces its roots back to 1901, and notes that Hiscox USA began in 2010 as part of the Hiscox Group. The Hiscox Group is described as having over 3,000 employees in 14 countries worldwide, while Hiscox’s small business insurance products are offered across most of the United States (licensed in 49 states plus the District of Columbia, with Alaska excluded for the small business online offering).

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