Claims Frequently Asked Questions

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

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.

No - for security purposes we fund claim payments via direct deposit using bank-to-bank wire transfers into your bank account.

No - we fund claims via direct deposit bank-to-bank wire transfers, which means claims payments are made faster and more securely.

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.

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].