Claims Frequently Asked 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 promptly.

We invite you to submit your claim questions by:

  • 1-866-424-8508
    (Monday – Friday, 7am – 10pm ET)

When should I report a claim?

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

How do I report a claim?

You can report a claim online or by phone, email or mail. Please click here to learn more about our claims reporting options.

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.

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.

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.

What do I do if I suspect insurance fraud?

Insurance fraud is a crime. The victims of insurance fraud are both individuals and businesses, and these criminal acts cost businesses millions each year.

Hiscox has a dedicated in-house Special Investigations Unit that is specialized and experienced in detecting, reporting and fighting fraudulent crimes.

If you suspect fraud has been committed, please email us at: [email protected]

Claims Center

It’s not until you have to report a claim or a loss that you find out how important your insurance really is. We understand reporting a claim can be a nerve-racking time for a small business owner, which is why we make the process as easy as possible.

Go to Claims Center

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.