When your clients buy insurance, they are investing in the carrier’s ability to deliver when something goes wrong. At Hiscox, we take pride in our award-winning claims handling service. We don’t just talk about protecting small businesses — we prove it with every claim.
The process
Step 1:
Report the claim
Your client can report the claim directly to us, or you can submit it on their behalf:
Online
Fill out a quick form and include applicable attachments. You will receive a copy of your submission via email.
Call
Speak to a Hiscox representative at
1-866-424-8508 Mon – Fri, 7am – 10pm ET
Sat – Sun, 8am – 5pm ET.
You can send mail to our Hiscox
Claims Center at:
Hiscox Claims Center
5 Concourse Parkway
Suite #2150
Atlanta, GA 30328
Step 2:
Claim acknowledgment
Within one business day, Hiscox will email your client a reference number and contact details. Instructions will be included for claims that need urgent handling.
Step 3:
A claims representative is assigned
Within two business days, a specialized claims representative will contact the policyholder to gather information, explain the next steps, and answer any questions regarding the process.
Step 4:
Coverage is validated
The claims representative will review the claim details and supporting information to determine whether the claim is covered.
Step 5:
Claim decision
The claims representative will contact your client with the coverage decision and inform them of next steps.
Based on the complexity, type of claim, and unforeseen factors, the time it takes to resolve a claim can vary. Our goal is to review and resolve each claim as quickly and thoroughly as possible.
Claims frequently asked questions
What our insureds are saying
The claim process was simple and smooth. Your staff was very helpful!
— Anonymous
The overall experience made me want to stay doing business with the company. It was unfortunate that my equipment was stolen, but Hiscox made me feel like things were going to get better soon. That made all the difference.
— Anonymous
The speed in which they responded to the claim was amazing. As a wedding photographer it is so important for us to keep our gear up and running!
— Anonymous
Have a question about a claim?
Call our service center at 1-866-424-8508.
Licensed claims representatives are available Monday – Friday, 7am – 10pm ET
Saturday – Sunday, 8am – 5pm ET
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. Coverage is subject to underwriting, terms and conditions, and limits of the policy, and is not available in all states or for all classes of business. Underwritten by Hiscox Insurance Company Inc., a Chicago-based insurance company. Copyright © 2026 Hiscox Inc. All rights reserved. Hiscox Insurance Company Inc., 125 S. Wacker Dr., Suite 2080, Chicago, IL 60606.