What Hiscox is

Hiscox is a specialist insurer focused on small and midsize businesses. It offers core business coverages you can mix and match, plus a simple digital experience for quotes, policy changes, certificates, and claims. The result is practical protection and fewer admin headaches for your back office. (hiscox.com)

Core coverages at a glance

• General Liability (GL) for third‑party bodily injury, property damage, and advertising injury.

• Professional Liability (E&O) to defend your work, advice, and services if a client claims errors or negligence.

• Business Owner’s Policy (BOP) that bundles GL with business property coverage in one policy.

• Cyber Liability to help with data breaches, ransomware, regulatory response, and related business interruption costs.

• Workers’ Compensation and other options available depending on your state and industry.

These coverages are designed for hundreds of professions and can be tailored with appropriate limits and deductibles so you’re not paying for things you don’t need. (hiscox.com)

What makes Hiscox stand out

• Fast, online self‑service. Get quotes, bind coverage, and manage policies digitally so teams aren’t stuck on the phone.

• Immediate certificates. Generate standard ACORD Certificates of Insurance on your own, add additional insureds, and request waivers of subrogation when contracts require them. (hiscox.com)

• Simple claims experience. File and track claims online 24/7; Hiscox assigns a representative and coordinates defense when needed. (hiscox.com)

• Coverage built for real‑world risks. From slip‑and‑fall incidents to alleged professional errors and cyber extortion, policies are written to address the situations small businesses actually face. (hiscox.com)

Core features you can rely on

• Customizable limits and deductibles to match your contract requirements and risk appetite.

• Defense costs and legal support on covered claims, even if allegations are groundless. (hiscox.com)

• Bundleable protection across multiple lines to reduce gaps and simplify renewals. (hiscox.com)

• Self‑serve policy changes like address updates, adding authorized contacts, and requesting loss runs for audits. (hiscox.com)

Pricing and purchasing options

• Quote‑driven pricing. Premiums depend on your industry, size, location, claims history, selected limits, and deductibles. Expect tailored quotes rather than one‑size‑fits‑all rates. (hiscox.com)

• Flexible payments. You can pay monthly to smooth cash flow, with straightforward billing that’s easy for finance to track. (hiscox.com)

• Bundle discounts. Buying more than one policy through Hiscox can qualify for savings and a cleaner renewal cycle. (hiscox.com)

• Adjust as you grow. Update limits or add insured parties as contracts change so coverage keeps pace with the business. (hiscox.com)

Back office value-add

• Contract compliance, handled. Instant, standardized ACORD COIs make it easy to satisfy client and landlord requirements without back‑and‑forth. This cuts turnaround time for vendor onboarding and project kickoffs. (hiscox.com)

• Fewer tickets to Ops/Legal. Self‑serve features (additional insureds, waivers, loss‑run requests) reduce ad‑hoc requests and keep documentation consistent for audits. (hiscox.com)

• Clear claims workflow. Online intake, status visibility, and assigned reps mean incidents move fast with less manual chasing and fewer email threads between departments. (hiscox.com)

• One source of truth. Consolidating key policies with a single carrier helps standardize terms and renewal dates, making finance closes, vendor management, and insurance reviews more predictable. (hiscox.com)

• Cash‑flow friendly. Monthly payments make premiums more budgetable across cost centers, reducing spikes at renewal. (hiscox.com)

Where Hiscox fits best

• Service businesses and consultants that need E&O for contracts and quick proof of insurance.

• Growing teams that want to bundle GL, property, and cyber while keeping administration light.

• Multi‑client companies that regularly issue COIs and add additional insureds.

Practical considerations

• Availability varies by state and industry, and all coverage is subject to underwriting. Confirm specifics (limits, endorsements, and exclusions) when you quote. (hiscox.com)

• Cyber and other specialty coverages can include optional add‑ons; align them with your data footprint and vendor obligations. (hiscox.com)

Bottom line

Hiscox gives you the core coverages most small and midsize businesses need, plus self‑service tools that keep certificates, policy changes, and claims moving without bogging down your back office. If you want reliable protection and cleaner processes with less manual work, it’s a strong, business‑friendly choice. (hiscox.com)