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Hiscox Product Profile
120-year-old A+ rated insurer with instant online quotes for 180+ professions — the provider-described standard for small business insurance
Editorial review record is being refreshed.
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Product resource
Hiscox
From $29.17/mo
The Bottom Line
Hiscox is 120-year-old A+ rated insurer with instant online quotes for 180+ professions — the gold standard for small business insurance. This profile summarizes the product's current positioning, available features, pricing notes, and primary sources while the independent editorial review record is being refreshed.
What is Hiscox?
Hiscox was founded in 1901 in London and entered the US market in 1998. Today it insures over 500,000 small businesses and self-employed professionals across the US, with coverage available in all 50 states. It's particularly known for professional services coverage — IT consultants, designers, accountants, therapists, and other knowledge workers are core customers. Hiscox is A+ rated by AM Best, the highest possible financial strength rating, and it's regulated by the Department of Financial Services in every state it operates. Unlike marketplace aggregators, Hiscox is the actual underwriter and insurer — meaning they handle claims directly with no third-party middleman.
What does Hiscox offer?
Hiscox offers general liability (starting ~$29/month), professional liability / E&O (starting ~$22/month), a business owner's policy that bundles GL + property (starting ~$83/month), cyber liability, workers' compensation (most states), and commercial auto. Coverage is available for 180+ specific profession types. Quotes are fully online, instant, and bindable — you can purchase and receive your certificate of insurance in the same session. A 14-day money-back guarantee applies to most policies.
General Liability
$29.17
/month
Professional Liability
$22.5
/month
Business Owner's Policy
$83
/month
Editorial assessment refresh
We are re-sourcing our prior score and tier before publishing a numerical rating or testing claim for this product. The product details, pricing notes, and linked sources remain available while that work is completed.
Ready to try Hiscox? Plans start at $29.17/mo.
Get Hiscox — from $29.17/mo →Frequently Asked Questions
Is Hiscox worth it in 2026?
Hiscox has a current product profile, but we are not publishing an independent value verdict until its editorial review record is sourced. Confirm current pricing, limits, and fit with the provider.
What is Hiscox best for?
Hiscox is best for: Freelancers and solo professionals who need professional liability coverage quickly, Small businesses that want a direct A+ rated insurer — not a marketplace or broker, IT consultants, designers, healthcare professionals, and other knowledge workers.
Does Hiscox have a free trial?
Hiscox does not offer a permanently free plan. Paid plans start at $29.17/month.
Review the current product details and sources above, then confirm plan limits and pricing directly with the provider before choosing a plan.
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