Effortless to buy, and on several lines the wrong policy for the business buying it.
We place Hiscox. Here is where they work, where they get expensive, and the specific sublimits we would not put a technology or home health account into.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What we place with Hiscox.
Small professional and general liability
Straightforward GL and professional liability for small service businesses.
Without it — Easy to apply for, easy to write, and fine on a lot of simple accounts.
Home health GL and professional
Combined general and professional liability for home care, with a cyber add-on available.
Without it — Workable, but read the patient transport exclusion and the abuse sublimit first.
What our Hiscox clients ask us.
Is Hiscox a good choice?
It depends entirely on the line, more than with most carriers, and that is the useful thing to know about them.
Would you place a home health agency with Hiscox?
Sometimes, and only after two specific things are checked, because both are common in this sector and both are constrained on their form.
Would you use Hiscox for a technology company?
No, and it is the clearest recommendation on this page. They do not write technology errors and omissions, and their miscellaneous E&O is not a substitute: in our experience it sublimits HIPAA violations and frequently excludes leaks of personally identifiable information outright, which for a software business is the exposure rather than an edge of it. If you are a technology company holding a miscellaneous E&O policy, read it for wording about personal or confidential information. If you find it, you are carrying a policy that would decline the claim you are most likely to make.
What do you actually place with Hiscox?
Home health care agencies, overwhelmingly. They are close to half of everything we have with this carrier.
What kinds of business does Hiscox write for you?
Home health care agencies, overwhelmingly — close to half of everything we have with them — then management and general management consultants, personal services businesses and family services agencies. The lines follow: general liability first, then miscellaneous professional liability, with a smaller number of business owners policies and cyber.
Can Hiscox bill monthly?
Yes, monthly payment is standard rather than an add-on, which is part of why they suit small professional accounts. It is not payroll-linked pay-as-you-go, though. That is a workers compensation mechanism and workers comp is not what we place here.
Why go through a broker instead of buying direct?
Because it does not cost you anything, which is the part that surprises people. Broker compensation is built into the carrier's rate whether you use one or not: buying direct does not remove the cost, it removes the person being paid to be on your side of it.
Also in this family
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.