Hiscox review (2026): pricing, fees and who it's for
Specialist insurer selling its own small-business policies online and by phone.
Good fit if
Consultants and professionals needing professional liability coverage
Pick something else if
You're in Alaska, want a mobile app, or need workers' comp from the same insurer.
What we like
- Professional liability from $22.50/mo and general liability from $30/mo.
- Hiscox Insurance Company Inc. is rated A (Excellent) by AM Best.
- Phone agents 7 days: weekdays 7am–10pm ET, weekends 8am–5pm ET.
- Licensed Spanish-speaking agents by phone; instant certificates of insurance online.
Watch out for
- Not sold in Alaska; the online quote form is English-only.
- Trustpilot score is 1.4/5 across 958 reviews.
- Workers' comp comes from The Hartford; cancelling requires a phone call.
Hiscox pricing
| Plan | Price | Notes |
|---|---|---|
| Professional liability | from $22.50/mo | Hiscox estimate before a quote; not guaranteed |
| General liability | from $30/mo | Hiscox estimate before a quote; not guaranteed |
| Business owner's policy (BOP) | from $42/mo | Hiscox estimate before a quote; not guaranteed |
Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.
The details
| Type | Direct insurer |
|---|---|
| Published prices | GL from $30/mo |
| Coverages | general liability, professional/E&O, BOP, cyber, workers' comp (via The Hartford), commercial auto, property, umbrella, inland marine |
| Instant certificate | Yes, online with email and policy number |
| Monthly payments | Yes, no extra fee (PL: 2 months down) |
| Cancel anytime | By phone; refund terms not published |
| States | 49 states + DC; not Alaska |
| Insurer and rating | Hiscox Insurance Company Inc., AM Best A (Excellent) |
| Time to quote | Fast online quote; same-day coverage |
| Who it's for | Consultants, IT, marketing, architects, beauty, fitness, real estate, contractors |
| Claims | Online form, phone (7 days a week), or mail |
Before you sign up
You'll need
- Your state and type of business
- Credit card to buy online
Do this first: Have your trade, your expected yearly revenue and payroll, and the coverage amount your clients or landlord ask for.
What users say in public ratings
Seen on Oct 4, 2026. App store ratings mostly reflect the app; Trustpilot leans toward billing and support stories.
Hiscox alternatives
- 8.4/10NEXT InsuranceNew owners wanting fast online coverage from one insurer · From $14/mo Hiscox vs NEXT Insurance
- 7.4/10InsureonOwners comparing carriers who want a licensed agent's help · From $45/mo Hiscox vs Insureon
- 7.3/10ThimbleGig and project workers needing coverage per job · From $17/mo Hiscox vs Thimble
- 6.7/10Simply BusinessSolo owners comparing basic liability quotes online · From $21/mo Hiscox vs Simply Business
Questions
How much does Hiscox cost?
Professional liability: from $22.50/mo; General liability: from $30/mo; Business owner's policy (BOP): from $42/mo.
Does Hiscox have a free plan?
No free plan or free trial is published.
Does Hiscox offer help in Spanish?
Spanish support.
What do I need to sign up for Hiscox?
Your state and type of business; Credit card to buy online.
Is Hiscox good for a new business?
It fits consultants and professionals needing professional liability coverage. Pick something else if you're in Alaska, want a mobile app, or need workers' comp from the same insurer.
What are the alternatives to Hiscox?
NEXT Insurance (New owners wanting fast online coverage from one insurer); Insureon (Owners comparing carriers who want a licensed agent's help); Thimble (Gig and project workers needing coverage per job); Simply Business (Solo owners comparing basic liability quotes online).
Sources
- hiscox.com/small-business-insurance
- hiscox.com/small-business-insurance/general-liability-insurance
- hiscox.com/small-business-insurance/professional-liability-insurance
- hiscox.com/small-business-insurance/business-owners-insurance
- hiscox.com/small-business-insurance/workers-compensation-insurance
- hiscox.com/small-business-insurance/state
- hiscox.com/about-hiscox
- hiscox.com/manage-your-policy
- hiscox.com/manage-your-policy/claims-center
- hiscox.com/contact-us
- hiscox.com/es-us/small-business-insurance
- fitsmallbusiness.com/hiscox-business-insurance-review/
- trustpilot.com/review/www.hiscox.com
Checked Oct 4, 2026. Something out of date? Tell us. Our score is calculated from public facts; partners can't pay for a better one.