hiscoxcom

Hiscox Small Business Insurance focuses on tailored cover for freelancers, consultants and small firms. With an easy online quoting flow and modular policies—liability, cyber, property and event options—Hiscox helps small businesses buy targeted protection fast and manage risk without excessive complexity.

Founded1901

Price tier$$

Main focusSmall business insurance

MarketsUnited States, United Kingdom

Why Hiscox

Focused, modular coverages for small and solo enterprises.

01Small-business specializationUnderwrites policies designed for freelancers, creatives, consultants and small firms—coverage shaped around common professional and operational exposures.

02Fast online buyingA streamlined digital quoting engine and online policy documents let owners get tailored coverage quickly without lengthy broker negotiation.

03Niche endorsements availableIndustry-specific options—cyber, E&O, event and media protections—allow clients to add targeted limits and endorsements as needs evolve.

Tailored cover you can configure

Hiscox packages primary protections—general liability, professional liability (E&O), cyber and property—into modular options so small firms pick the pieces they need. Limits and endorsements are presented up front on the online quote, making it simple to compare limits, add endorsements for specific trades or creative work, and bind coverage digitally when the scope fits your business.

Claims access and risk support

Policyholders work with a dedicated claims team and digital portal for notices, document uploads and progress updates. Hiscox also publishes risk-management guidance and industry-focused resources to help reduce exposures; larger or unusual risks may require underwriting review, but routine claims are handled through established small-business workflows.

Policies

General LiabilityProfessional Liability (Errors & Omissions)Cyber LiabilityBusiness Owner's Policy (BOP)Commercial PropertyEvent InsuranceTechnology Errors & OmissionsTrades & Contractors Insurance

Our Take

What we like

Fast, online quotes and digital bind for many small-business needs
Policies tailored to freelancers, creatives and professional services
Modular endorsements for cyber, E&O and event exposures
Clear, digital policy documents and online account management

Worth knowing

Not available in every country or U.S. state—coverage varies by market
May not be competitive for large enterprise or complex commercial risks
Certain niche endorsements require underwriting review and extra lead time

Help & FAQ

Where is Hiscox coverage available?

Hiscox operates in multiple markets, prominently the U.S. and U.K.; specific products and eligibility vary by country and U.S. state. Check the local Hiscox site or request a quote to confirm availability for your location.

Can I cancel a policy and get a refund?

Yes. Cancellation and refund terms depend on the policy wording and local regulations; refunds are typically prorated and handled per the policy's cancellation provisions—contact Hiscox or your broker for the exact settlement.

Are discounts or savings available?

Discounts depend on market and product. Common ways to lower premium include bundling coverages, demonstrating strong risk controls, choosing higher deductibles or maintaining a claims-free history. Talk to an agent for personalized pricing options.