Hiscox General Liability Insurance

Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. ^1,²Company-reported. Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here.

Issuing Insurer

Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200), a Chicago-based insurer, as the underwriter of admitted Hiscox NOW general liability policies. ^2,³Company-reported. Admitted small-business general liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote.

Who It’s For

Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. ¹Company-reported. Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on underwriting.

Coverage Features

Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. ¹Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations.

Limits and Retentions

Not publicly disclosed. The general-liability page does not publish a standard limit amount; example California consultant pricing shown on the page is explicitly labeled illustrative rather than a quote. ¹Public product page as previously reviewed; actual limits, retentions and pricing are quote-specific.

How to Apply

Hiscox says eligible buyers can apply for general liability online, with the policy issued by email and a certificate of insurance included in the welcome documents once the application is complete; buyers can also pay annually or monthly with no additional fees. ¹Company-reported. Company-described online application and billing options; eligibility and binding conditions require confirmation on the actual application.

Claims Support

Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. ^1,⁴Company-reported. Company-described claims process; does not establish claim outcomes or turnaround time.