Hiscox claims philosophy

Relationships are based on trust 

At Hiscox, we believe that relationships are based on trust. So we always start by assuming that your claim is valid.

Our claims service is at the heart of our business and we take seriously our duty to handle insurance claims with the utmost good faith. It’s our belief that superior claims handling should be based on fairness and common sense. 

We always strive to provide speedy, efficient, courteous and fair handling of your insurance claim to minimize the disruption to your life or business.

Superior claims handling 

We never forget that who we insure remains just as important as what we insure. We always try to deliver a superior claims service through:

• Expertise – we have specialized claims handlers who are authorized to make decisions 

• Efficiency – if you do need to make a claim, we’ll make it as fast and simple as possible, and will offer solutions to resolve your claim so you are able to focus on your business. 

• Fairness – we honor our word. Simple as that. 

• Understanding – even though we’re in the business of claims and crisis management, we never lose sight of the fact that the need to make a claim against one of our policies is often preceded by very stressful circumstances so we strive to make our claims process as stress-free, simple and straightforward as possible.

Claims teams led by industry leaders

A business as diverse and complex as ours requires a specialized and tailored claims approach, requiring more than just technically competent claims handling.

Each of our distinct lines of commercial insurance claims divisions are headed up by specialists that know and understand the industries and risks we underwrite. These specialists are leaders in their respective lines of commercial insurance claims and play important roles in the development of risk awareness in those industries.

This level of expertise and commitment to the industries we serve results in superior, value-added claims service to our customers.

Reporting a claim

Brokers or their clients
If you are a Hiscox policyholder with a claim and you have purchased your insurance through a broker, please consult your policy for details on how to properly report a claim. If in doubt, you may notify us of your claim by sending an email with your policy number and claim information to: hiscoxclaims@hiscox.com.

Small business insurance direct
If you are a small business insurance customer who has purchased a policy online or through our Contact Center and want to make a claim on your policy, please visit our small business insurance claims page.