Claims Center

 

Claims Center

Our award-winning claims service available online 24/7

96%
4.8
/
5
for customer satisfaction (
9,480
reviews between 10-25-11 and 10-18-17)
96%
Hiscox rated
4.8
out of
5
with
9,480
reviews between 10-25-11 and 10-18-17.

Reporting a small business claim is easy - however you choose to do it

Online

Fill out a quick form and include applicable attachments. You will receive an email copy.

Online

Fill out a quick form and include applicable attachments. You will receive an email copy.

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Email

If you prefer to email us about your claim, simply send a note to [email protected].

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Email

If you prefer to email us about your claim, simply send a note to [email protected].

Call

Speak to a Hiscox representative Mon - Fri, 8am -10pm ET at 1-866-424-8508.

Call

Speak to a Hiscox representative Mon - Fri, 8am -10pm ET at 1-866-424-8508.

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Mail

You can send mail to our Hiscox Claims center at
5 Concourse Parkway
Suite #2150
Atlanta, GA 30328.

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Mail

You can send mail to our Hiscox Claims center at
5 Concourse Parkway
Suite #2150
Atlanta, GA 30328.

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

  1. Acknowledge a Reported Claim
    Within 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 Claim
    Within 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.

  2. Representative Assigned
    Within 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 Assigned
    Within 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.

  3. Coverage Validated
    Within 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 Validated
    Within 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.

  4. Decision Made
    Within 10-20 business days

    Your claims representative will contact you with a decision and next steps after validating your coverage. 

    Decision Made
    Within 10-20 business days

    Your 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 Busienss 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. 

Claims FAQs

See all claim FAQs

When should I report a claim?

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

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.

What if my claim isn't covered?

While most of the claims we receive are covered, there are unfortunate instances where the policy purchased does not cover the type of loss or claim submitted to us.

We know how devastating this can be for a business and, frankly, we dislike denying claims. But, you have our word that every coverage decision we reach is guided by our values of respect and integrity; and we will always give each claim a full and fair review.
 
If you think we got it wrong - please let us know. We always invite you to provide additional information that you believe would allow us to conclude that your claim is covered. And we are always willing to re-examine our decisions on coverage if new information becomes available.

To raise a request for reconsideration, please contact our Claims Appeal Board by emailing us at: [email protected].

Claims Reviews

See what customers are saying that have made claims with us.

See All Claim Reviews

Barber with iPad
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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!