Welcome to Hiscox USA

A specialist insurer with over 100 years experience

Hiscox is a leading specialist insurer with roots dating back to 1901. We are not a traditional insurer. We target specific types of insurance in which we develop expertise, often focusing on areas other insurers find too complex to insure.

Financially strong

Our companies in the US include Hiscox Inc. and Hiscox Insurance Company Inc. (NAIC Number 10200). Hiscox Insurance Company Inc. is a Chicago, IL domiciled insurer admitted or licensed to do business in all 50 states and the District of Columbia. Hiscox Insurance Company Inc. is rated A (Excellent)¹ by A.M. Best with a group financial size category (FSC) of XI, proving we have strong capital reserves.

Hiscox Inc., a DE corporation, that does business in California as Hiscox Insurance Agency, is an approved Lloyd’s coverholder and underwrites surplus lines business on behalf of Lloyd’s Syndicates 33 and 3624. Syndicate 33 is rated A (Excellent)² by A.M. Best and Syndicate 3624 benefits from the overall group rating of Lloyd’s which is A (Excellent)³. Lloyd's syndicates are restricted in doing business in the USA and its territories as they are not US-based insurers. The business we write on behalf of Lloyd's Syndicates 33 and 3624 in the US is placed through US insurance brokers.

For more information visit the Hiscox investor site (link opens in a new window)

Hiscox in the US

We have sold insurance to US businesses through our Lloyd’s of London Syndicates for over 40 years. Since 2006, we have established offices across the country and are licensed to operate in all US states and the District of Columbia.

We offer a diverse portfolio of insurance products through US based brokers and also directly to small business owners.

Business insurance through brokers

We specialize in professional, property and specialty insurance for US businesses that benefit from the advice of a broker. Through insurance brokers we offer products where our expertise is proven:

• Allied Healthcare Professional and General Liability Insurance
• Architects, Engineers and Construction Managers Professional Liability Insurance
• Commercial Property Insurance
• Construction Property Insurance
• Entertainment Production Insurance
• Kidnap & Ransom Insurance
• Media Liability and Entertainment Errors & Omissions Insurance
• Miscellaneous Professional Liability Insurance
• Management Liability Insurance
• Privacy / Data Breach Insurance
• Professional Liability Portfolio
• Technology Errors and Omissions Insurance
• Terrorism Insurance

In other areas, like Commercial Property, we provide capacity. Our Commercial Property coverage provides critical CAT protection, including Florida wind and California earthquake, often the most difficult to place.

Small business insurance direct

We specialize in insurance for professional services businesses. We offer the first small business insurance you can buy direct and online in real time or over the phone.

We help you customize your small business insurance to ensure you get exactly what your business needs. Our team of small business insurance advisors provide excellent service and our products are of great value as you buy them directly from us. Products include:

• Professional Liability Insurance
• Errors & Omissions Insurance
• General Liability Insurance
• Business Owner's Policy
• Workers Compensation Insurance

How we’re different

Our people, underwriting expertise and our relentless commitment to exceptional customer service make us different.

No two businesses are exactly the same and we are committed to offering flexible and intelligent underwriting solutions, with coverage tailored to a business’s needs. We look to honor the original intent of coverage when a claim occurs believing that’s what you expect. We also don’t shy away from complex risks.

Exceptional claims service

It’s not until you make a claim that you find out how good your insurance really is. Claims service is at the heart of our business. We aim to deliver quick, efficient, courteous and fair handling of your claim to minimize the disruption to your life or business.

For more information about our insurance products see:

• Insurance products through brokers
• Insurance products for small business owners (underwritten online and through our call center by Hiscox Insurance Company Inc.)

As of December 31, 2012, Hiscox Insurance Company Inc. had admitted assets of $97,085,393 and policyholders surplus of $52,281,718. Total liabilities were $44,803,675 (inclusive of $11,224,176 in reserves) and paid up capital stock was $4,200,000.

1 A.M. Best rating as of December 13, 2012
2 A.M. Best rating as of December 13, 2012
3 A.M. Best rating as of July 26, 2012