Hiscox provides small business commercial insurance with fast online quotes, customizable policies, and digital policy management, including core liability, professional, property (BOP), cyber, and partnered workers’ comp coverage across most of the U.S.
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Hiscox Inc.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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Combined policy bundling general liability and commercial property coverage to protect both third-party liability and the business’s property/assets (including equipment), across up to five business locations.
Liability + property
Business interruption
Up to 5 locations
Cyber liability coverage for losses tied to cyberattacks and data incidents, including breach response, extortion/ransomware, business interruption, data recovery, and privacy liability; optional enhancements include cyber crime and media liability.
Breach response
Ransomware cover
Business interruption
Commercial general liability coverage for third-party bodily injury, property damage, personal and advertising injury, defense costs, and (for certain tech professions) electronic data liability.
Fast online quotes
Certificate of Insurance
Defense costs
Additional coverages provided through partnerships (notably CyberPolicy), including Commercial Auto, Directors & Officers (D&O), Umbrella, and Employment Practices Liability Insurance (EPLI).
Commercial Auto
D&O
Umbrella limits
Coverage for claims alleging professional mistakes, negligence, or failure to deliver services as promised; includes legal defense costs and may include retroactive and worldwide work coverage (suits filed in U.S./territories/Canada).
Legal defense
Retroactive coverage
Worldwide work
Workers’ compensation coverage offered via a partnership; Hiscox states it has teamed with The Hartford to provide a workers comp price estimate in minutes and coverage for work-related injuries/illnesses and related costs.
Partnered offering
Medical costs
Lost wages
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