Frequently Asked Questions

• It’s quick and easy to determine if you have a Hiscox account by utilizing our ‘Forgot Password’ functionality. From the homepage, select ‘Sign In’ and then ‘Forgot Password’. Enter the email address you think could be associated with your account. If an account exists, a temporary password will be sent to your email and you will be prompted to change your password. If there is no account associated with that email, you’ll receive an error message letting you know that we weren’t able to identify an account with the information provided. From here, double check that the email you entered is correct or click to create a new account.

• If you’re unable to create an account, that’s likely because the email you entered is already associated with a Hiscox account. Try signing in with that email or resetting your password using the ‘Forgot Password’ functionality.

Unfortunately, they are separate. You’ll have to create a Hiscox login in addition to the login you use with your wholesaler.

If you’re new to Hiscox NOW or in a hurry, you can still get a quote without signing in. However, just remember that it will not automatically save your quote. You’ll have to reference our 'How to add unsaved quotes to your Hiscox account' guide.

Creating an account is simple and gives you access to all of our quoting and policy management features. You’ll be able to compare quotes, retrieve saved quotes, manage active policies, as well as get an ACORD or Certificate of Insurance.

You can quote online or by phone in minutes! Once you receive a quote with a premium, it is automatically 'approved' based on the information you provided and it's instantly bindable!

You can download the quote proposal on the quote page and email that to your clients. All of the calls to action direct your client to contact you for questions and to purchase.

No, Hiscox does not share the quote with your client. We only contact your clients directly, copying you, in regards to their existing policy. 

The Distribution Appetite Guide makes it easier for you to understand overlaps in coverage between our Hiscox PRO traditional broker service and our Hiscox NOW platform

• Hiscox NOW is a low-touch, direct-bill digital platform aimed at the smallest of risks. It enables you to get immediate online quotes and bind risks, while Hiscox takes care of everything else.
• Hiscox PRO delivers a more traditional access point in 12 lines of business that are all quoted and bound by local underwriters. This is our broadest appetite and is recommended for risks that require a more customized approach because of the size or complexity of the risk.

Quotes created while not logged in or made over the phone are not automatically added to your account. To add them, reference the email you received at the time of quote and click ‘retrieve quote’. Continue until you reach the ‘About Your Client’s Business’ page. Scroll down to the bottom and select ‘save’. From there you’ll be prompted to sign in or create an account. Sign in to the account you’re trying to add it to. Access our 'How to add unsaved quotes to your Hiscox account’ guide for a breakdown of this process.

Quotes created while logged out or made over the phone are not automatically added to your account. Quotes that have been bound will not be eligible to be added to your quote listing. However, we’re currently working to expand login capabilities to include a policy listing.

If you have a Hiscox account, you can view all of your pending quotes from the Your Saved Quotes page. Once you've logged in, you can navigate to this page from the dashboard, or by selecting 'All Saved Quotes' from the Menu button in the top right corner. You will also receive an email every Monday morning with a list of all of your pending quotes from the past 30 days.

Any quotes created while you are logged in will automatically be saved to Your Saved Quotes list, which you can access 24/7. If you proceed as a guest, you will need to manually save your quote by clicking the “Save” button at the bottom of the screen. You will then be prompted to create an account, if you haven't already done so. If you already have a username and password, enter it at this time, and the quote will be added to your account.

Yes, we do. You can quote online and purchase coverage with the same-day effective date all in one day!

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

Hiscox NOW accepts credit and debit cards (Visa, Mastercard, American Express). We offer annual or monthly payment plans with no additional fees, so financing options from premium financing companies are not needed.

Yes, all Hiscox NOW policies are direct bill.  So if your client's credit or debit card doesn't go through one month or upon renewal, we will contact them directly and copy you in on those communications. 

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

If your client contacts Hiscox and adds or makes a change to their policy, we will copy you on the e-mail containing the documents supporting the policy change.

Yes. If you are the agent of record and your client calls our service center and happens to add an additional policy, you will remain the agent of record and receive commission from your wholesaler. 

Our policies automatically renew using the payment method used at time of purchase. You and your customer will be emailed copies of the policy documents and new terms in advance of the renewal date (typically 45-60 days in advance).

We will only charge the standard monthly rate upon renewal, except for artisan contractors, landscapers, janitors, and retailers*.  A two-months down payment is only required at the initial policy inception date.

*Artisan contractors, landscapers, janitors and retailers require a 25% down payment upon renewal.

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