Supporting the courageous since 1901

As experts in risk, we give people and businesses the confidence to realize their ambitions. With roots dating back to 1901, we have the expertise to challenge convention and find a better way.

A 100-year history of protecting businesses

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Hiscox USA is a leading specialist insurer with origins dating back to 1901. It is part of the Hiscox Group, which has over 3,000 employees in 14 countries, and customers worldwide.


America’s leading small business insurer

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With over 400,000 small business customers, we understand the unique risks each business faces. Our coverage lets you take the right risks so you can grow your business, even as you protect against what you can’t see coming.


Encourage Courage

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We insure, support and inspire our customers by protecting the businesses they’ve worked so hard to build. We encourage courage in our customers, our brokers, and ourselves.

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Customer Stories

Hear from Hiscox customers about their small business journey.

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Blog

Advice on how to start, grow and protect your business, and how to encourage courage.

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Side Hustle to Small Business™

Real stories from customers who turned a side hustle into a small business.

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Our Brand

We are committed to protecting businesses so they can do more and be more.


Our Expectations of Others

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Hiscox conducts business with high ethical standards, operating in accordance with all legal and regulatory requirements. It is our expectation that our partners do the same.

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Our Values

Courage

Dare to take a risk

Human

Clear, fair and inclusive

Integrity

Do the right thing, however hard


Ownership

Passionate, commercial and accountable

Connected

Together, build something better

 

Our companies in the US include Hiscox Insurance Company Inc., and its general agent, Hiscox Inc. Hiscox Insurance Company Inc. is a Chicago, IL domiciled insurer admitted or licensed to do business in all 50 states and the District of Columbia. Hiscox Insurance Company Inc. is rated A (Excellent)¹ by A.M. Best with a group financial size category (FSC) of XV ($2 Billion or greater), proving we have strong capital reserves.

Hiscox Inc., a DE corporation that does business in California as Hiscox Insurance Agency, is an approved Lloyd’s cover holder and underwrites surplus lines business on behalf of Lloyd’s Syndicates 33 and 3624. Syndicate 33 is rated A (Excellent)² by A.M. Best. Syndicate 3624 benefits from the overall group rating of Lloyd’s, which is A (Excellent)³ . Lloyd's syndicates are restricted in doing business in the USA and its territories as they are not US-based insurers. The business we write on behalf of Lloyd's Syndicates 33 and 3624 in the US is placed by licensed surplus lines insurance brokers.


As of December 31, 2019, HICI had admitted assets of $778,266,779 and policyholders surplus of $215,333,986. Total liabilities were $562,932,793 (inclusive of $236,274,591 of lossreserves) and paid up capital stock was $4,242,000.

¹A.M. Best rating as of March 2, 2018.

²A.M. Best rating as of March 2, 2018.

³A.M. Best rating as of July 20, 2017.