Call our licensed agents at 1-866-283-7545

Claims Questions


We’ve put together a list of frequently asked questions and answers to help you better understand our claims process. If you still can’t find the information you’re looking for, please send us your inquiry and we’ll respond within 1 business day.


We invite you to submit your claim questions by:




Frequently Asked Questions:


What happens after I report a claim?

Within one business day, we will send you an email to confirm we’ve received your claim and provide you with a claims reference number as well as an emergency contact. Meanwhile, your claim will be assigned to a designated claims specialist.


Within two business days, your designated claims specialist will call you to understand more about your particular situation, explain next steps and answer any questions you may have.


To read more about what happens after you report a claim, please visit our Hiscox claims process page.



How can I change my coverage?

You can call one of our licensed advisors at 1-866-283-7545 (Mon-Fri, 8am-10pm ET) and they will be happy to assist you.



Will reporting a claim affect my premium?

Not usually - more often that not your premium will not go up after notifying our Small Businesses Claims Team of a claim.


The largest driver of premium increases at renewal are changes to your business or some indication that the frequency or severity of losses likely to be suffered to your business are more than originally thought. However, an average paid claim or loss is not likely to result in a premium increase at renewal.


When should I report a claim?

You should always report a claim soon as possible. Please click here to report a claim.



How long until I receive payment to replace my damaged business property?

Once the value of your claim is agreed upon, the necessary paperwork is signed, and we receive your banking information, you should expect to receive payment within 5 business days.



Can you pay my claim via Paypal or similar service?

No - for security purposes we fund claim payments via direct deposit using bank-to-bank wire transfers into your bank account.



Can you pay my claim by sending me a paper check?

No - we fund claims via direct deposit bank-to-bank wire transfers, which means claims payments are made faster and more securely.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


8am - 10pm (Mon - Fri) ET