Last Updated: February 16, 2024, 1:28 pm by TRUiC Team

Hiscox Business Insurance Review 2024

Regardless of why you need insurance for your business, Hiscox small business insurance offers a variety of insurance types. 

In this review, we’ll go over the details of Hiscox’s business insurance to help you decide if Hiscox small business insurance offers the right features for your business.

Recommended: Every business is unique— find the best match for your business in our Best Small Business Insurance review

Hiscox logo with a star rating of 3.75/5

Hiscox Business Insurance

Hiscox was founded in 1901 in Bermuda and has British origins. Hiscox insurance offers many types of business insurance. They also offer small business insurance to over 180 professions.

The most popular coverage Hiscox offers is its general liability insurance policy, which protects businesses should a customer become injured or their property becomes damaged.


  • Many types of business insurance
  • Long history being in business
  • Solutions for many types of small businesses
  • Ethical company
  • Purchase online or through a broker
  • Personalized solutions 
  • Umbrella coverage available
  • A rating from A.M. Best and is accredited by the Better Business Bureau with an A+ rating
  • File claims online 24/7
  • Money-back guarantee within 14-day period
  • Proof of insurance provided free


  • Coverage not available in Alaska
  • Not all coverage available online
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Looking for the best policy at the best price? Check out our Best Small Business Insurance review.

Types of Insurance Offered by Hiscox

Hiscox provides many types of insurance to small businesses. The most common policy Hiscox sells is their general liability policy which covers costs should a customer get injured or their property becomes damaged.

Additional types of insurance provided by Hiscox include:

  • Employment Practices Liability Insurance
  • Workers’ Compensation
  • General Liability Insurance
  • Professional Liability Insurance (Errors and omissions insurance)
  • Business Owner’s Policy (BOP)
  • Short-Term Liability Insurance
  • Cyber Security Insurance
  • Commercial Auto Insurance
  • Directors and Officers Insurance
  • Umbrella Insurance

Visit Hiscox’s website for a complete list of insurance types.

How to Get a Quote from Hiscox:

  1. Visit
  2. Select “Get a Quote”
  3. Choose your state and your industry
  4. Fill out an application
  5. Get a quote
  6. Purchase a policy

Hiscox Review Ratings

Value — 4/5

Overall, Hiscox works well for most businesses because they offer many types of small business insurance suitable for most small businesses.

Customer Service — 3/5

Hiscox customer service was helpful. Our overall experience was positive; that being said, some online customer reviews have complained that Hiscox customer service left little to be desired.

Ease of Use — 4/5

Applying for a general liability policy was exceptionally easy. You just visit their website, and they walk you through a few steps to get a quote. You can purchase an insurance policy immediately with a credit card.

Included Features — 4/5

We like Hiscox’s approach to insurance because of their easy online application, quote, and purchase system. This is the primary feature we like about Hiscox. 

Other features we like about Hiscox include:

  • Many insurance types
  • Helpful customer service
  • Easy application process

Final Thoughts on Hiscox

If you want a fast quote and prefer an easy online check-out process, Hiscox may be the right insurance solution for your business. Hiscox also provides many types of small business insurance coverage to help most small businesses. They cater to over 180 professions.

Hiscox makes purchasing small business insurance easy. Hiscox also provides professional customer service and insurance advice to ensure your business stays protected.

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Recommended: Read our review of the best small business insurance companies.

Our Approach

Choosing the best business insurance comes down to three things:

  1. The type of business you have
  2. What you need to insure
  3. Which insurer offers the best small business insurance quote

We selected the best business insurance providers by reviewing numerous insurance companies online. Then, we analyzed them to understand the types of businesses they best serve. Finally, we narrowed down what types of insurance they provide. 

We also looked into which insurers provide the best quotes, customer service, and any other aspect that makes them unique.

Hiscox FAQs

Who is Hiscox?

Hiscox is a small business insurance provider that offers many types of insurance for small businesses. They have been in business since 1901 and service over 400,000 small businesses in America. They also operate internationally through Hiscox Group, Ltd.

Is Hiscox insurance legit?

Hiscox has been a legal entity in business since 1901. They sell business insurance. Insurance is a heavily regulated industry. Rest assured, Hiscox is legitimate.

What type of insurance do you need for a business?

All businesses should carry general liability insurance. You may need other types of insurance depending on your business. Your industry will dictate what protections you may or may not need.

Can I purchase business insurance online through Hiscox?

Hiscox’s website does permit small business owners to apply for insurance through their website. You won’t be able to purchase every type of small business insurance through their website.

What’s the most popular small business insurance from Hiscox?

General liability insurance is Hiscox’s most sold small business insurance policy. This policy protects your business against customers getting accidentally hurt or vandalized.

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