Claims Center
Our award-winning claims service available online 24/7
Reporting a small business claim is easy - however you choose to do it
Purchased your insurance through an agent or broker?
You can also report a claim by contacting them and letting them file the claim on your behalf.
Have a Workers Compensation claim?
Please follow the reporting instructions in your policy pack.
How the Claims Process Generally Works
- Acknowledge a Reported ClaimWithin 1 business day
After you report a claim, we’ll email you a reference number and emergency contact details in case your claim requires urgent handling.
Acknowledge a Reported ClaimWithin 1 business dayAfter you report a claim, we’ll email you a reference number and emergency contact details in case your claim requires urgent handling.
- Representative AssignedWithin 2 business days
Hiscox assigns a specialized claims professional to your claim and will contact you within 2 business days to hear about your situation, explain next steps and answer questions.
Representative AssignedWithin 2 business daysHiscox assigns a specialized claims professional to your claim and will contact you within 2 business days to hear about your situation, explain next steps and answer questions.
- Coverage ValidatedWithin 5-10 business days
Your claims representative will work with you to understand the basis of your claim and obtain the necessary information to validate coverage.
Coverage ValidatedWithin 5-10 business daysYour claims representative will work with you to understand the basis of your claim and obtain the necessary information to validate coverage.
- Decision MadeWithin 10-20 business days
Your claims representative will contact you with a decision and next steps after validating your coverage.
Decision MadeWithin 10-20 business daysYour claims representative will contact you with a decision and next steps after validating your coverage.
Workers Compensation claims follow a different process, but are handled in a timely manner providing guidance each step of the way.
Property Losses
For property losses covered by your Business Owners policy:
- Your claims representative will work with you and possibly our appraiser to evaluate damage and values.
- Once the value is agreed upon, the paperwork signed, and we receive your banking information, you should receive payment within 5 business days.
Liability Claims
For liability claims covered by GL, PL, or Business Owners policy:
- Your claims representative will work with you to appoint an experienced attorney, if necessary.
- Hiscox will work with you and your attorney to vigorously defend your business and its reputation. We will strive to do so in a manner that causes the least interruption to your business.
The speed in which they responded to the claim was amazing. As a wedding photographer it is so important for us to keep our gear up and running!