Call our licensed agents at 1-866-283-7545

Hiscox Claims Process


For most people, the scariest thing about filing a claim is the fear of the unknown. What happens after I file my claim? Will it be covered? What if I have to pay for an attorney out of my own pocket? No matter what your worry is, we’re here to help explain the process, assess your claim fairly and minimize the disruption to your business.


We believe in being transparent about our claims process upfront, so you can stop worrying about the unknown and get back to doing what you do best – running your business.


What happens after I report a claim?


  • Within 1 business day: We will promptly review your claim and email you your claim reference number and emergency contact details in case your claim requires urgent handing.
  • Within 2 business days: A specialized claims professional will be assigned to your claim and contact you directly to understand more about your particular situation, explain next steps and answer any questions you may have.
  • Within 5-10 business days: Your designated claims specialist will work with you to understand the basis of your claim and obtain the necessary information for us to validate coverage.
  • Within 10-20 business days of receiving information necessary to validate coverage: Your claims representative will contact you to explain our decision on coverage and next steps.


For property losses, covered by your business owners insurance policy:


  • Your claims representative will work with you and possibly our appraiser to evaluate damage and values.
  • Once the value of your claim is agreed upon, the necessary paperwork is signed, and we receive your banking information, you should expect to receive payment within 5 business days.


For liability claims, covered by your Professional Liability, General Liability, or Business Owners policy:


  • Your claims representative will work with you to appoint an experienced attorney, if necessary.
  • Hiscox will work with you and your attorney to vigorously defend your business and its reputation. We will strive to do so in a manner that causes the least interruption to your business.


What about uncovered losses?


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.


To raise a request for reconsideration:


Please contact our Claims Appeal Board by emailing us at:

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. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm ET