We may earn money when you click on links to our partners. Advertiser Disclosure


Updated December 19, 2023

“Encourage courage” is the tagline for Hiscox insurance, and the company certainly lives up to the saying. The specialty insurer is focused on helping entrepreneurs, sole proprietors, and home-based businesses succeed with tailored plans, discounted rates for lower risks, and short-term coverage for specific projects.


  • 24/7 claim service available
  • Live agents and brokers available
  • Short term coverage available
  • Instant coverage
  • Reduced prices for home-based businesses with less risk

  • Not all policies can be ordered online
  • No app available
  • Mixed customer reviews
Hiscox logo
Best for sole proprietors

What is Hiscox Insurance?

Hiscox insurance stands out as a company that only offers small business insurance. With that in mind, they developed and designed their policies to fill a need that entrepreneurs, sole proprietors, and small business owners truly need – quick, affordable insurance that gets them the exact coverage they need for a better peace of mind.

Around since 1901, Hiscox truly knows what small businesses need when it comes to insurance coverage. They offer instant quotes, instant coverage, and easily accessible COI, all of which can be done online. Payments can be made annually or monthly if the small business needs more cash flow.

The range of offerings is designed with small businesses in mind. It’s one of the only companies we reviewed that offers short-term coverage so that small business owners can have coverage only on those projects where they need it most. It also provides home-based business coverage – which no other insurance company we reviewed offers. All of their plans are highly tailored.

hiscox online policy management for customers screenshot

Hiscox makes it easy for customers to do everything online. Source: Hiscox website.

On paper, Hiscox looks like a top contender for small business insurance, but it gets mixed customer reviews. All appreciate the quick online process and instant coverage, but some have had a less-than-ideal experience with the company when filing a claim.

Is Hiscox Insurance legit?

Hiscox insurance has been “encouraging courage” since 1901 by supporting small businesses like entrepreneurs, sole proprietors, and home-based businesses with unique insurance coverage. Offerings like short-term plans, home-based business coverage, and flexible, tailored policies and pricing plans make it easier for small businesses to get what they need to protect their livelihood. Everything can be done in a matter of minutes online, from getting a quote and purchasing a policy to getting a COI and processing a claim.

How much does Hiscox Insurance cost?

Hiscox Insurance general liability plans cost $29.17 per month.

Starting price:
$29.17 per month
Hiscox Insurance General Liability Pricing
Price Discounts Available Instant Quote Available
Starting at $29.17 /mo Yes Yes, in most cases

Additional Coverage Options:

  • Professional liability
  • Home-based business
  • BOP
  • Commercial auto
  • Cyber liability
  • Workers Compensation
  • Errrors and omissions
  • Short term liability
  • Medical malpractice
  • Employment practices liability
  • Umbrella insurance
  • Directors and officers insurance

Which features does Hiscox Insurance offer?

Small Business Insurance Features
Instant quote and coverage: get a fast quote and in many cases instant along with instant coverage
COI: get it online
Customizations: tailored policies available
Financial strength: receives an A rating from A.M. Best Rating
Claim process: process claims online, over the phone, or by mail

Other notable Hiscox Insurance features

  • 24/7 online claims service
  • Many options for sole proprietors, entreprenuers, and home-based businesses
  • Short term coverage available

Hiscox Insurance Customer Support

Hiscox Insurance Phone Number (new customers) 1-888-635-0843
Hiscox Insurance Phone Number (existing customers) 1-855-738-8768
Customer Support Email Online form
FAQs Available
Knowledge Base Available

Hiscox Insurance user review highlights

We analyzed 977 user reviews about Hiscox Insurance from two third-party review websites to provide this summary.

In a similar story to all small business insurance reviews, Hiscox insurance fairs with mixed reviews at best. Hiscox complaints revolve around denied claims, slow and unresponsive customer service, and canceled policies without explanation. In some of the more negative reviews, users warn others away from the company stating they will do anything to avoid paying a claim.

On the other hand, some customers have had good experiences with Hiscox insurance. These positive reviews report responsive, helpful, and compassionate claims representatives. One Hiscox reviewer even pointed out that the customer service representative went above and beyond to gather the necessary information and make the claim process quick and successful.

  • Ease of Setup – users report that setting up a policy is easy and takes less than 10 minutes online.
  • Ease of Use – Hiscox customers say the website is straightforward and easy to use.
  • Features – reviewers appreciate the instant quote, instant coverage, easy to use website, and the ability to do many things online without an agent.
  • Quality of Support – Hiscox gets very mixed reviews regarding customer service. Some users report slow and unresponsive customer service. One reviewer said it took 19 months of repeated calls with no response only to have the claim denied over email. Other reviewers have had better experiences with helpful and knowledgeable customer service representatives.
  • Value for Money – a few users say that Hiscox is very affordable for instant coverage and instant COI.

Hiscox Insurance Contact Information

Parent Company:
Atlanta, GA
Year Founded:

Hiscox Insurance alternatives

Software Starting Price B2B Reviews Score
Hiscox Insurance $30 / month 4.5
Nationwide Request a quote 4.5
The Hartford $88 / month 4.5

Hiscox Reviews

When we've collected enough reviews for a good sample, we'll publish them here.

Write a review