How the Hiscox NOW® Program Works

Hiscox NOW offers admitted professional liability, general liability, business owners’ and cyber security insurance. We make it fast and easy to quote and bind coverage for hundreds of professions.

  1. Get a Quote in Minutes

    Fast & Easy Application for 180+ Professions

    Enter your & your client’s information when prompted. Your contact details will be used as the call to action on the quote proposal.

    Get a Quote in Minutes

    Fast & Easy Application for 180+ Professions

    Enter your & your client’s information when prompted. Your contact details will be used as the call to action on the quote proposal.

  2. Send Quote to your Client
    Your Contact Information is Prominent on Quote

    Once you’ve reached the quote page and a premium is displayed, it’s instantly bindable! Download the quote proposal PDF and email to your clients for approval. 

    Send Quote to your Client
    Your Contact Information is Prominent on Quote

    Once you’ve reached the quote page and a premium is displayed, it’s instantly bindable! Download the quote proposal PDF and email to your clients for approval. 

  3. Bind Online Instantly
    Policy Documents Emailed Immediately

    Your client can pay annually OR monthly with no fees. Policy documents will be sent to your client directly within 1 business hour of purchase.

    Bind Online Instantly
    Policy Documents Emailed Immediately

    Your client can pay annually OR monthly with no fees. Policy documents will be sent to your client directly within 1 business hour of purchase.

  4. Policies Renew Automatically
    Earn Commission for the Lifetime of the Policy*

    Hiscox handles all servicing, billing and automatic renewals. You and your client will receive a renewal notice 45-60 days in advance of renewal.

    *As long as you are the producer of record

    Policies Renew Automatically
    Earn Commission for the Lifetime of the Policy*

    Hiscox handles all servicing, billing and automatic renewals. You and your client will receive a renewal notice 45-60 days in advance of renewal.

    *As long as you are the producer of record

Frequently asked questions

See all FAQs

Frequently Asked Questions

Here are some common questions agents ask. If you have any other questions, please don't hesitate to call our service center or email us at [email protected].

Hiscox NOW Program & Product Questions

What is your A.M. Best rating?

Hiscox Insurance Company Inc. is the carrier on all Hiscox NOW products and is rated 'A' (Excellent) by A.M. Best

How long has Hiscox been in business for?

The Hiscox Group is a global insurer with over 100 years' experience in insuring businesses.

Are all Hiscox NOW policies written on an admitted basis using ISO products? 

All Hiscox NOW policies (PL, GL, BOP, and Cyber) are admitted products. Our GL and BOP policies are ISO-based forms.

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
Why Choose Hiscox Small Business Insurance?
  • Tailored Coverage: We don’t offer a one-size-fits-all insurance plan. We tailor our coverage to your needs, allowing you to change your coverage as your business changes.
  • Fast and Simple: We only ask questions that relate to your business and industry, so you can get a quote in minutes online or by phone. Once you buy a policy, we’ll also email all your documents to you immediately.
  • Flexible Payment Options: We offer you various payment options to help manage your cash flow.
  • Passion for Service: Hiscox is rated a 4.8/5 for customer satisfaction, out of 8,000+ reviewers
  • 100+ Years of Experience: The Hiscox Group is a global insurer that traces its origins back over 100 years.

Quoting Questions

How do I get a quote and how long does it take?

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!

How do I save a quote? 

Before you exit the journey, simply click the “Save” button at the bottom of the screen. It will prompt you to create a username (email) and password to retrieve all saved quotes, if you haven't already done so. If you already have a username and password, enter it at this time.

How do I view all of my pending quotes?

 If you have a Hiscox account, you can log in to view all of your pending quotes from your agent dashboard. You can even search for a specific quote by entering your client’s business name or reference number in the search field.

Purchasing & Billing Questions

Do you offer same-day coverage?

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

What forms of payment do you accept and are there any financing options available?

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.

If a client decides to go with the monthly payment plan, are monthly billings emailed or physically mailed to them?

Monthly billings are automatically processed from the credit or debit card provided by your client. They will receive the payment dates at the time of purchase or when they call in to make changes to their pay plan. There is no monthly receipt emailed or physically mailed to your client.  

Servicing & Renewal Questions

How do renewals work?

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).

When a policy that’s on a monthly-pay plan renews, does Hiscox take a 2 month down payment again?

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.

How are claims handled?

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

Resources and documents

View resource center

Quote online or call a licensed insurance agent

1-855-870-9328