Hiscox Small Business Insurance

So one of my employees was cleaning blinds and broke them, I told the customer that we will take care of it because I’m insured. I call Hiscox, at first the claims woman states that it’s not covered because it was part of her duties and if it broke it’s not covered. Then I said it was not part of her duties. She just so happens to have gone in that area, clean the blinds and it fell apart. She says even though it wasn’t part of her duties she was cleaning it and it’s not covered. Terrible, it's like I'm paying for something that has no purpose.

Hiscox is slow and not responsive to business claims. Waiting over a month to get a call back from a claims specialist. Called every week for over a month until my claims specialist was available to speak with me. When he did call back all he had to say is that I cannot file a claim against myself due to damages. The contractor or owner of the property has to file the claim and no guarantees they will cover the damages. Please do your research and ask your claims specialist who and what they cover before hiring them. If you try to file a claim against yourself be prepared to receive a denial letter. The client or contractor you are doing business for has to file the claim. Always ask questions before hiring this company, make sure you have them go over the policy to make sure you know what's covered and not covered.

This company by far is the worst company for business coverage. Hiscox took me as a client for my home inspection business. I have been doing home inspections since 2006. Never had an issue or a claim. I had a client that felt I missed something and wanted me to file a claim with my insurance. So I went ahead and filed the claim even though I didn't feel I was at fault. I find out that Hiscox doesn't cover home inspection real estate transactions. Interesting to know when 100% of my transactions are real estate transactions. Since my claim and me complaining about the coverage, Hiscox has now changed their coverage to "code inspections". This company is a joke.

If contractor/company that you're considering to hire is insured by Hiscox RUN in the other direction. We had a company insured by them damage our property and not complete job, filed with Hiscox and they denied it claiming it was not covered by policy. Why bother making sure a company has insurance if it's not worth the paper it's written on. We were willing to settle for $300 via BBB and Hiscox said no... Apparently it's not worth such a small amount for good customer relations.

Uniqua was my customer service rep. She was awesome. She explain the policy. Took her time with me. From the moment we spoke I knew that she knew the insurance business. I would highly recommend this insurance company to anyone that ask me, "Who is your insurance company." Thank you Uniqua. You did great by me and my business. Orlando

I had Hiscox insurance for two years. I have been in business for 8. The first year we had a problem with a new mower we had just bought and paid $12,500 for, it caught on fire. I thought I might have to file a claim but the manufacturer took responsibility because it turned out to be a defect. So I called my agent and told them I didn't need to file a claim. This past year I had two small claims within a week of each other totaling around $600. My insurance agent said it wouldn't affect my premiums or coverage. (Keep in mind I pay almost $700 a year for my insurance.) We fixed the issue and continued on..

BEWARE! Do not use HISCOX for small business liability Ins. They are unprofessional, rude, disorganized, rude, incompetent, rude and you will be sorry to have wasted your time and money with such a horrible company! Worst company we have ever felt with in nearly 20 years of business????

Absolute worst E&O coverage... We moved from AXA-XL based on the recommendations of our agent (who just wanted to make a quick commission), and had a very bad experience with Hiscox when it came time to file a claim. Now we're trying to cancel the policy. Awful company, avoid!!!

As SO MANY others have said. They are good UNTIL YOU FILE A CLAIM. They denied coverage for an occurrence that was exactly what I got insurance for in the first place. Please STAY AWAY from HISCOX insurance unless you want to be totally exposed.

I tried to get a quote through Progressive and they redirected to Hiscox insurance for my small business insurance. I first filled everything out and they said it would be real easy. 7 pages later they then asked me to call them. So I did and the agent had no clue about insurance or how to cover mine. They stated they do not cover any business that has a website. I told them I'm a web designer, so are you telling me you don't cover any business. They said no only businesses that do not do business on the web. They discriminate against all businesses that own and operate on the web. Stay away from them at all cost.