Hiscox

Business insurance often focuses on policies and premiums. Hiscox focuses on people.

For over a century, the company has paired technical expertise with genuine empathy, shaping lasting relationships with brokers, business owners, and the broader insurance community.

Tracing its origins as a company back to 1901, Hiscox’s legacy rests on a reputation for precision and trust. Under the leadership of Mary Boyd, CEO of Hiscox USA, the company’s evolution has been defined by three simple principles: ease, expertise, and empathy.

“We make it as easy as possible to do business with us, with dedicated underwriters and fast quote turnaround,” says Boyd. “We have deep expertise in business insurance, and we see the people behind the policy, not just a policy number.”

That philosophy is especially evident in Hiscox’s broker relationships. Brokers remain the cornerstone of its U.S. business, serving as trusted partners who bridge the gap between specialized insurance coverage and the unique needs of entrepreneurs and small business owners. Hiscox recognizes that while many business owners value digital convenience, most still turn to brokers for guidance. These brokers, in turn, rely on Hiscox’s flexible underwriting and fast responses to serve their clients effectively.

The company’s expertise spans a broad array of industries, from allied healthcare and architecture to consulting, entertainment, and technology. Beyond the essentials of professional and general liability, Hiscox offers coverage for cyber and data risks, media liability, management liability, and more. This diversity reflects both the complexity of modern businesses and the insurer’s ability to adapt its solutions to different needs. Its recent acquisition of Corix Insurance Services and Vouch Insurance Company further broadens its reach, allowing Hiscox to expand its appetite for new products, higher limits, and more complex risks.

What sets Hiscox apart, however, is not just the breadth of its offerings but the depth of its engagement.

Every broker interaction begins with understanding a client’s business model, challenges, and risk profile, and ends with tailored solutions that balance speed, accuracy, and affordability. Hiscox’s underwriters specialize in distinct industries, bringing an insider’s understanding to every case. Whether the client is an engineer, therapist, or film producer, Hiscox’s team approaches each policy as a collaboration, empowering underwriters to find the “yes” that serves everyone involved.

The same human touch defines the company’s claims philosophy. For Hiscox, the true test of insurance begins when something goes wrong. A policy, after all, is a promise, and fulfilling that promise requires speed, flexibility, and fairness. By focusing on personalized claims handling, Hiscox ensures that insureds can return to business as quickly as possible, minimizing disruption and restoring confidence.

One example that embodies this approach involved a broker who secured a Hiscox GL/PL package for a physical and occupational therapy practice. The client required additional coverage for HIPAA violations and hired/non-owned auto exposures and already had open claims on record. Rather than declining the case, Hiscox worked with the broker to craft bespoke manuscript wording, creating a customized solution acceptable to all parties. The result was a policy with terms and with a premium (> $200,000) calibrated to the exposure, highlighting Hiscox’s flexibility and problem-solving ethos.

Looking ahead, Hiscox’s strategy focuses on scaling intelligently by writing larger accounts, entering new markets, and leveraging technology to streamline underwriting and quoting. Yet even as the company grows, its mission remains rooted in empathy and partnership. Hiscox’s people-first culture sees brokers as catalysts, insureds as dreamers, and employees as the driving force behind every success.

With over 600,000 businesses trusting Hiscox to protect their ambitions, the company’s story is as much about humanity as it is about insurance. It is about recognizing that behind every policy lies a business, a dream, and a life in motion— and Hiscox stands ready to protect them all.