Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 3, 2020

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Company Details
Address: PO Box 1524
City: Chesapeake
State: VA
ZIP Code: 23327
Phone Number: 866-283-7545
Website: http://www.hiscox.com/
Year Founded: 1901
AM Best Rating: A
Company Rating 0 (0 reviews)

Things To Know

  • Hiscox is a well-known commercial auto insurance company.
  • Hiscox doesn’t sell personal auto insurance but does have commercial auto policies.
  • Coverage options from Hiscox include Business Owners Policies (BOP) and Worker’s Compensation.

When you think of popular insurance companies, Hiscox may not be the first one that comes to mind. That’s because Hiscox sells property and casualty insurance to niche members of the market: Private businesses and high net-worth individuals. But what about Hiscox auto insurance?

Though there are different types of auto insurance coverage, unfortunately, there is no Hiscox car insurance for individuals. However, Hiscox does sell commercial auto insurance. We’ll go over what that means in a bit. We’ll also review how to file Hiscox insurance claims and get a quote from Hiscox. By the end of this guide, you’ll be a Hiscox insurance expert.

If you’re interested in comparing auto insurance quotes now, you can enter your ZIP code into the quote box above before jumping into our Hiscox car insurance review.

Is Hiscox vehicle insurance for sale?

Many of you may be wondering: Is there such a thing as Hiscox car insurance? The answer is simple: No, private individuals cannot purchase Hiscox vehicle insurance. That means there is no personal Hiscox multi-car insurance and no personal non-owner auto insurance.

However, Hiscox has commercial auto insurance for businesses. This Hiscox car insurance review looks at the highlights of those policies.

Hiscox’s business auto insurance covers the cost of physical damage to owned, rented, or hired vehicles for business owners and their employees. Hiscox’s commercial auto insurance also provides auto-related medical coverage. Hiscox’s business auto insurance is only available to businesses.

Fleet insurance is a type of commercial auto insurance you might want to consider if you have a small business. Have a look at these sample rates.

Cost of Fleet Car Insurance
VEHICLE TYPEANNUAL CAR INSURANCE RATE PER VEHICLE
Sedans, SUVs$1,000/year per car
Trucks$1,500/year per car
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Auto insurance rates are cheaper per vehicle because you’ll need to insure three or more cars to be eligible for fleet auto insurance.

Hiscox also provides private vehicle insurance outside of the United States. Hiscox’s U.K. branch, for example, sells high-value auto insurance, similar to classic car auto insurance. Also, Hiscox sells home insurance and art insurance.

So, what does Hiscox vehicle insurance provide, if not individual auto insurance?

Hiscox insurance coverage includes property and casualty insurance to businesses and high net-worth individuals. Hiscox specializes in small business insurance. At Hiscox, this is called a Business Owners Policy, or BOP for short.

A Hiscox BOP provides services like:

  • General, short-term, and professional liability insurance
  • Business owners policies
  • Cybersecurity insurance
  • Workers compensation

These policies are available to people in over 180 professions. Hiscox also insures against more rare perils like hacking, kidnapping, and satellite damage.

Next, let’s review Hiscox’s history.

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Where is Hiscox located?

Hiscox is an international insurance provider that does business in 14 countries. Hiscox has offices in the E.U., the U.S., Asia, and Bermuda. The company’s primary headquarters are in New York City.

In the U.S., Hiscox insurance is available in every state and the District of Columbia.

The company’s insurance services vary depending on location. For example, even though Hiscox doesn’t offer private auto insurance in the U.S., there is Hiscox auto insurance available in the U.K.

Does Hiscox have agents?

Yes, Hiscox has commercial insurance agents and business insurance brokers. Hiscox’s insurance agents can answer questions like:

  • What is my Hiscox insurance login?
  • How do I pay my Hiscox insurance bill?

Recently, as reported by Insurance Innovation Reporter (IIR), Hiscox partnered with Insurance Bee to launch InsuranceBee for Agents. The Insurance Bee and Hiscox program gives independent agents instant access to Hiscox’s insurance policies.

To get in touch with the Hiscox insurance agency, you can call the Hiscox insurance phone number at 1-866-283-7545. This hotline is available Monday through Friday, 7 a.m. to 10 p.m. EST.

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How do I file a claim with Hiscox?

There are many ways to file a business insurance claim with Hiscox. When filing a Hiscox claim, you can choose from these four options:

  • File a claim online using Hiscox’s online claims form
  • Mail a completed claims form to the following address: Claims Department, 520 Madison Avenue, 32nd Floor, New York, NY 10022
  • Call Hiscox’s claims hotline at 1-866-424-8508
  • Email Hiscox at reportaclaim@hiscox.com

However, you plan to file a claim through Hiscox, make sure to have your policy number on hand.

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How do I get a quote from Hiscox?

Lastly, you’re probably wondering: Is Hiscox insurance expensive? The easiest way to find out if Hiscox’s small business insurance fits your budget is to obtain an insurance quote from the company.

To get a Hiscox commercial insurance quote, all you have to do is visit the company’s website and enter your state of residence and profession into the quote box.

After you click “Get a Quote,” the quote box will recommend Hiscox insurance products based on your profession and ask for further information about you and your business. Hiscox gives you the option to pay for an insurance policy immediately after receiving your quote.

Who is Hiscox Insurance?

Hiscox was founded in 1901 as the Roberts agency, underwriting marine insurance for Lloyd’s of London. In 1946, Ralph Hiscox joined the agency, and it became Roberts and Hiscox.

Over the next few decades, Hiscox was shaped into what it is today by Ralph Hiscox and his son Robert. In 2005, the company opened a Bermuda office, and shortly after that changed its country of domicile (it’s legal home for business purposes) from the U.K. to Bermuda, rebranding once more as Hiscox Ltd.

As of 2020, the company has over 3,000 employees in 14 countries worldwide. Not only is Hiscox, a leading international insurance company, but it’s also one of the world’s leading small business insurance companies.

Hiscox Insurance Company Business Data
Hiscox Insurance StatisticsBusiness Data
Premiums written in 2019$2,337.5 million
Net premiums earned$1,313.8 million
Foreign losses$15.6 million
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So, is Hiscox a good insurance company? Let’s take a look at some Hiscox insurance reviews. Hiscox home business insurance reviews are positive overall. However, the Better Business Bureau had a different approach.   Hiscox customers have rated the company one out of five stars on Better Business Bureau (BBB). Reviewers on BBB have reported the following incidents:

  • Difficulty filing a claim
  • Unexpected claim denials
  • Poor and discriminatory customer service
  • High premiums and deductibles

According to Glassdoor, Hiscox employees have reviewed the company more favorably. One former employee had this to say about their Hiscox career: “The senior leadership has [a] very clear mission and vision for the company, and it is well communicated.”

You can apply for Hiscox careers at https://www.hiscoxgroup.com/careers/. For more information about Hiscox careers, check out this video about what it’s like to work at the company.

Now that we’ve reviewed Hiscox’s services ask yourself: Is Hiscox the right insurance provider for my small business?

Are you looking for the cheapest commercial auto insurance rates? Now that you’ve finished this Hiscox auto insurance review, you can enter your ZIP code into the quote box below to compare auto insurance quotes from different companies.

Hiscox Auto Insurance Review FAQS

For the last section of the guide, we’ll cover some frequently asked questions that appear on search engines across the internet. Visit our main page for more articles, guides, and reviews on auto insurance.

#1 – Is Hiscox a good insurance company?

Hiscox Insurance Company is rated as “A” with the A.M. Best Financial Strength agency. If you’re interested, contact Hiscox Insurance Compay’s phone number at 1-866-424-8508. Or you can visit https://www.hiscox.com/. If you get lost on the site, click on the Hiscox insurance logo to get back to the home page.

#2 – What does Hiscox insurance cover?

Hiscox insurance covers small business insurance, commercial auto insurance, art insurance, home insurance, and home health insurance.

#3 – Does Hiscox carry art insurance?

There’s a Hiscox insurance in the U.K. that offers home insurance and art insurance.

#4 – What is the best insurance company for small businesses?

The top three companies for small businesses is State Farm, Nationwide, and Hiscox.

#5 – Is Hiscox insurance expensive?

Hiscox has a reputation for being expensive, but customers have said it’s worth it.

#6 – What is the Hiscox graduate program salary?

The Hiscox graduate program salary is £30,295, which translates to $35,513 in the United States.