Hiscox is a global specialty insurer with more than 100 years of history, and in the United States they’ve carved out a clear niche in small business insurance. They write professional liability (E&O), general liability, business owner’s policy, cyber liability, and workers’ compensation for service businesses in 49 states, with online quotes and same-day binding for most accounts. Their claims process is straightforward — a dedicated claims professional handles your account and pays covered losses by direct bank transfer, usually within days. Hiscox holds an A (Excellent) rating from AM Best.
