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
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Acknowledge a Reported Claim
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 ClaimAfter you report a claim, we’ll email you a reference number and emergency contact details in case your claim requires urgent handling.
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Representative Assigned
Hiscox assigns a specialized claims professional to your claim and will contact you to hear about your situation, explain next steps, and answer questions.
Representative AssignedHiscox assigns a specialized claims professional to your claim and will contact you to hear about your situation, explain next steps, and answer questions.
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Coverage Validated
Your claims representative will work with you to understand the basis of your claim and obtain the necessary information to validate coverage.
Coverage ValidatedYour claims representative will work with you to understand the basis of your claim and obtain the necessary information to validate coverage.
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Decision Made
Your claims representative will contact you with a decision and next steps after validating your coverage.
Decision MadeYour claims representative will contact you with a decision and next steps after validating your coverage.
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 promptly.
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.