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    Welcome to Hiscox NOW® where you can quote and bind small business insurance online in minutes. Your client gets same-day coverage and we handle all the service and billing. It’s quick and easy, so you can write more business faster.

    Quote and bind online in minutes

    Admitted GL, PL and BOP policies

    Same-day coverage for 180+ professions

    Quote. Bind. Done.

      Select your existing wholesaler or get a referral.

      Quote and bind online in minutes.

      Hiscox handles all service and billing.

      Commissions paid by your wholesaler.

    DEMO: Quote & Bind Online

    Hiscox Benefits

    Frequently Asked Questions

    What is the Hiscox NOW Appetite?

    We offer admitted PL, GL and BOP policies tailored to over 180+ professions. Our GL and BOP policies are ISO-based forms. Download our appetite guide.

    Why choose Hiscox NOW?
    • Quote and bind online in minutes.
    • Same-day coverage with policy documents emailed immediately.
    • Tailored coverage for 180+ professions.
    • Hiscox handles all servicing and billing.
    • Policies auto-renew so you earn commission for the lifetime of the policy. 
    • Hiscox is a global insurer with over 100 years’ experience insuring businesses.
    • Hiscox Insurance Company, Inc., the carrier on all Hiscox NOW products, is rated ‘A’ (Excellent) by A.M. Best.
    Why do I need to use a wholesaler?

    We only offer Hiscox NOW products through select wholesalers. We do not appoint individual retail agents.

    As long as you’re appointed with a Hiscox NOW wholesaler, you can quote and bind Hiscox NOW policies today. If you don't have a Hiscox NOW wholesaler, request a referral above.

    We pay commissions to your wholesaler who in turn pays them to you. Questions about commission should be directed to your wholesaler representative.

    If you’re a wholesaler looking to join Hiscox NOW. Contact us.

    What are your minimum premiums?

    Our minimum premiums vary by policy type and aggregate limit. Premiums start at:

    • Professional Liability (PL): $270
    • General Liability (GL): $350
    • Business Owner’s Policy (BOP): $500
    Will Hiscox contact my client directly?

    Hiscox NOW respects the relationship between you and your client. Hiscox will not share the quote with your client. We will only contact your client directly regarding their existing policy, for things like policy documents, renewal notifications, billing issues, etc. You will always be copied on these emails.

    How do I save and share a quote to present to my client later?

    Once you receive the quote, click the “Save” button at the bottom of the screen. You’ll be prompted to create a username (your email address) and password to retrieve all of your saved quotes. If you already have a username and password, enter it here to see your saved quotes.

    You can download the quote proposal on the quote page and email it to your client. All of the calls to action on the page will direct your client to contact you with questions and to purchase their coverage.

    Every Monday morning you will receive an email listing all your pending quotes from the last 30 days. You can also click the “Retrieve Quote” link on the homepage any time to access quotes you have saved.

    Can I print a paper application for my client to sign?

    Hiscox is paperless, so you should have your client verify that all the information you entered online is correct and that they agree to enter a binding agreement with Hiscox Insurance Company Inc. If your agency requires a physical copy of the application, print the summary page of your quote and have the client sign that. 

    What financing options are available?

    Hiscox NOW accepts credit and debit cards, including Visa, Mastercard and American Express. 

    We offer annual or monthly payment plans with no additional fees. All our policies are direct bill. If your client’s credit or debit card is not accepted for a payment, we will contact them directly and copy you on the communication.

    How do renewals work?

    Our policies automatically renew using the payment method that was used at the time of purchase. You and your customer will be emailed copies of the policy documents and new terms, usually 45 to 60 days before the renewal date. You will continue to earn commission for the life of the policy.

    How are claims handled?

    Claims are handled directly by our Hiscox claims team. You or your client can report a claim online anytime.

    Business insurance products are underwritten by Hiscox Insurance Company Inc., 104 South Michigan Avenue, Suite 600, Chicago, IL 60603. 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 any claim is covered. Coverage is subject to underwriting and may not be available in all states. As of December 31, 2018, Hiscox Insurance Company Inc. (HICI) had admitted assets of $577,623,458 and policyholders surplus of $178,288,905. Total liabilities were $399,334,553 (inclusive of $138,618,279 of loss reserves), and paid up capital stock was $4,200,000.

    The use of this portal to obtain a premium quotation does not alter or change your relationship with Hiscox or your customer. At all times you remain broker for the applicant and not an agent of Hiscox.